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Standard Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
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Platinum Visa: 9.25% - 18.00% Variable APR based on your creditworthiness. Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal (“Index”).
Savings Secured Visa: 7.50% Fixed APR.
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Penalty APR and When It Applies
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None |
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How to Avoid Paying Interest on Purchases
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Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge |
None |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
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. |
| Fees |
| Set Up and Maintenance Fee |
Annual Fee |
None |
| Account Set-up Fee |
None |
| Participation Fee |
None |
| Additional Card Fee |
None |
| Transaction Fees |
Balance Transfer |
None |
| Cash Advance |
None |
| Foreign Transaction |
1% of foreign transactions in US Dollars |
| Penalty Fees |
Late Payment |
$15 |
| Over-the-Credit Limit |
None |
| Returned Payment |
$25 |
How We Will Calculate Your Balance: Average daily balance including new purchases.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Promotional rate does not apply to cash advances. Offer not valid for Business accounts. All new applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply, and show ability to repay future balances or apply with a co-signer if you are under the age of 21. Rates, fees and terms are subject to change at any time, contact us for more information.