Annual Percentage Rate (APR) for Visa Step

Annual Percentage Rate (APR) for Visa Step, as filed by Neighbors Federal Credit Union, carries no annual fee.

What the agreement puts on the record

This page covers the agreement Neighbors Federal Credit Union filed for Annual Percentage Rate (APR) for Visa Step. The filing runs five pages, and It is issued on the Visa network.

Terms captured from the document include an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The downside terms

$26 is the disclosed ceiling on a late payment fee, placing it near the 45th percentile of the set.

Charges beyond interest

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Cash advances carry a cash advance fee of $10 or 2% of the advance, whichever is greater. $500 is the crossover point where the percentage overtakes the $10 minimum.

Transfers are charged $10 or 2% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Shifting $1,000 across attracts something like $20 in fees on day one.

The filing sets a 1% foreign transaction fee, which adds roughly $20 to $2,000 spent outside the United States.

The issuer's other agreements

This is one of 9 Neighbors Federal Credit Union agreements collected here.

The limits of this document

Absent from the captured terms: a purchase rate and penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.