Purchase APR
6.49–18%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $314.70
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63
Purchase APR
8.99–16.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
14.99%
≤619
14.99%
620–719
10.49%
720+
8.99%
Lowest offered8.99%
Median10.49%
Highest offered16.99%
Cash advance APR
No score
14.99%
≤619
14.99%
620–719
10.49%
720+
8.99%
Lowest offered8.99%
Median—
Highest offered16.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 1% or $2.50
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$28
Repeat late fee (6 mo)$39
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Other rewards
Services
None reported
Features
- Chip card
Issuer note: Scorecard Rewards
Who can get this card
AvailabilityOne State/Territory
StatesVA
Membership requirementsYes
RequirementOther. Please Describe:
Phone757-410-2000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 10.49%$314.70
Annual / periodic fees$0
Total yearly cost$314.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by N A E Federal Credit Union in the 2026 Q1 archive.
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Foreign fee
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Annual fee
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Foreign fee
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Annual fee
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Foreign fee
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