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Visa® Credit Card

Interest Rates and Interest Charges Visa® Platinum  Visa® Platinum Plus
Annual Percentage Rate (APR) for Purchases 18.50%
Fixed
 10.50%
Fixed
APR for Balance Transfers 18.50%
Fixed
10.50%
Fixed
APR for Cash Advances 18.50%
Fixed
10.50%
Fixed

 

Penalty APR and 
When it Applies
24.00% When 60 days late.
This APR may be applied to your account if you:
1) Make a late payment;
2) Go over your credit limit;
3) Make a payment that is returned; or
4) Do any of the above on another account that you have with us.
How to Avoid Paying Interest
on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50
How Long Will the Penalty
APR Apply?
If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card,visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees Visa® Platinum Visa® Platinum Plus
Annual Fee $20.00 No Annual Fee
Transaction Fees
Balance Transfer


Cash Advances


Foreign Transactions
$10.00 or 4% of the amount transferred
- 4.0% but not less than $10
$10.00 or 4% of amount advanced

- 4.0% but not less than $10
None
$10.00 or 4% of the amount transferred
- 4.0% but not less than $10

$10.00 or 4% of amount advanced
- 4.0% but not less than $10

 



None

Penalty Fees

  Late Payment

  Over-the-Credit-Limit

  Returned Payment

 

 Up to $35.00

 Up to $35.00

 Up to $30.00

 

 Up to $35.00

 Up to $35.00

 Up to $30.00 

Other Fees

  Telephone Payment Fee

 

 $10.00

 

$10.00


Loss of introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
How we will calculate your balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

 

 

 

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