FakecreditcardAbout BIN 409431
In our BIN data, 409431 is a Visa Classic credit card range that belongs to New Hampshire Federal Credit Union, registered in the United States. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Classic marks an entry-level consumer product.
New Hampshire Federal Credit Union has fewer than ten BINs in our data, so it has no bank page.
Across the United States, the dataset counts 156,869 BINs; among the 73,133 that name an issuer, the main networks are Visa (50%), Mastercard (22%), Discover (17%), and 46% are debit. See the United States BIN list or the United States card generator.
Visa number format for BIN 409431
| Starts with | 409431 (the BIN). First digit 4: banking and financial |
|---|---|
| Length | 16 digits (13 and 19 also allowed) |
| Security code | 3-digit CVV2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 4094 3132 4943 1475 |
A checkout that receives a number starting with 409431 should detect Visa, expect 16 digits and ask for a 3-digit security code. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
The BINs closest to 409431 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
Frequently asked questions
Which bank issued BIN 409431?
BIN 409431 is registered to New Hampshire Federal Credit Union in the United States. The dataset lists the website nhfcu.org. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 409431 a debit or a credit card BIN?
It is recorded as credit, product level Classic. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 409431 have?
Visa card numbers have 16 digits (13 and 19 also allowed), and the security code is a 3-digit CVV2 on the back. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 409431?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by New Hampshire Federal Credit Union, linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
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BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.