Credit Cards
Level up your purchasing power
Introducing Your New Favorite Way to Spend Smart
With an introductory rate as low as 2.9% for first 6 months* and plenty of perks, the Neches FCU Credit Card with Rewards is the smart choice for savvy consumers.
Earn Reward Points
Register your card and start earning points for purchases — redeem for gift cards, travel, activities, merchandise, and more.
Save With Balance Transfers
Pay no balance transfer fees and lock down rates as low as 2.90% APR* on all balance transfers for six months.
Pay No Annual Fees
Tapping into the credit you deserve shouldn’t cost you — enjoy the benefits of your new Neches FCU Credit Card with Rewards with no annual fees.
Go Contactless
Get it done in a jiffy — hold or tap your contactless card at participating stores for quick and convenient purchases.
Access Your Credit Card
You can access your Neches credit card within our home banking or mobile app.
Benefits of accessing your Neches Credit Card through home banking or the mobile app:
- Provides members with ease-of-access. There is no need to remember logins and passwords
- View all your purchases in one spot
- Delivers balance & statements quickly
With a single click, you can instantly access your credit card details, including recent transactions and upcoming due dates.
Card Benefits
Powered by VISA, the Neches FCU Platinum Credit Card and Business Credit Card are equipped with great perks including :
- Auto Rental Collision Damage
- Roadside Dispatch
- Travel Accident Insurance
- Baggage Delay Reimbursement
- And Much More
Please click the links below for our complete member guide to benefits.
Rates
|
Visa Platinum |
APR as low as |
|---|---|
|
APR= Annual Percentage Rate
|
|
|
Visa Platinum Visa Platinum Rewards |
APR as low as 2.9% for first 6 months- See Credit Card Addendum |
|
Visa Platinum Visa Platinum Rewards Secured |
APR as low as 2.9% for first 6 months- See Credit Card Addendum |
|
Visa Platinum Visa Business |
APR as low as 10.50% |
|
Visa Platinum Visa Business Secured |
APR as low as 10.50% |
FAQs
Log into your account. Click on your Credit Card Account, select Statements, then click eStatement Enrollment. View the eStatements Page for more information.
If your card is lost or stolen, or if you suspect you’re a victim of fraud or identity theft, submit a lost or stolen report online or through our mobile app or by calling us immediately at 1-888-266-0375. We’ll put an immediate hold on your card. You’ll receive a new plastic card in the mail within 7-10 business days.
If you don’t pay your credit card balance in full each month, interest charge will apply. Interest is the cost of borrowing money and is typically expresses as an Annual Percentage Rate (APR). This rate determines how much extra you’ll pay when carrying a balance from month to month.
Types of APRs You May See:
- Purchase APR- The standard rate applied to purchases when a balance is carried
- Introductory APR- A temporary, lower rate offered to new cardholders for a limited time.
- Balance Transfer APR- The rate applied to balances moved from other credit cards.
- Cash Advance APR- The rate charged when withdrawing cash using your credit card.
Interest is calculated based on your average daily balance throughout the billing cycle. The higher your balance and APR, the more interest you’ll pay. Making only minimum payments means carrying credit card debt and paying interest on it.
Paying your credit card bill is simple and convenient. Choose the method that works best for you:
- Automatic Payments: Set up single or recurring payments from your checking account to ensure your bill is paid on time, every time.
- Online or Mobile App: Log into your account through our website or mobile app to make a secure payment anytime.
- By Phone: Call the number on the back of your card to make a payment through our automated system or with a representative.
- By Mail: Send a check along with the payment coupon included in your paper statement.
- In Person: Visit any of our branch locations to make a payment directly with a representative.
Not finding what you’re looking for? Contact us
Disclosures
-
*APR = Annual Percentage Rate. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.