Disclosure Information
Credit Card Disclosure
| Annual Percentage Rate (APR) for Purchases | 11.75% The APR will vary with the market based on the Prime Rate |
| APR for Balance Transfers | 11.75% The APR will vary with the market based on the Prime Rate |
| APR for Cash Advances | 11.75% The APR will vary with the market based on the Prime Rate |
| Penalty APR | 15.75% This APR will vary with the market based on the Prime Rate. |
| When Penalty APR Applies |
This APR will vary with the market based on the Prime Rate. This APR may be applied to you if: 1) Make a late payment – 60 days late How long will the penalty APR apply? If your APRs are increased for this reason, the penalty APR will apply until you make six consecutive minimum payments when due. |
| 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. We begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | There is no minimum interest charge. |
| For Credit Card Tips form the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Annual Fee | None |
|
Transaction Fees Balance Transfer Cash Advances Foreign Transaction |
None None None |
|
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment |
Up to 5% of payment (Minimum $5; Maximum $35) None None |
|
Other Fees Pay by Phone
|
1) No Charge for automated payments 2) No Charge if assisted by a live representative |
How we will calculate your balance: We use a method called “average daily balance” (including new purchase). * 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.
Personal Freedom Checking
Unlimited checking that has no balance requirement.
Personal Interest Freedom Checking
This interest-bearing checking account has a monthly service charge of $5.00 with an additional charge of $5.00 if the average monthly balance falls below $500.00.
Business Freedom Checking
Unlimited checking that has a monthly service charge of $5.00 with an additional charge of $6.00 per month if the average monthly balance falls below $400.00.
Business Interest Freedom Checking
This interest-bearing checking account has a monthly service charge of $5.00 with an additional charge of $10.00 per month if the average monthly balance falls below $500.00.
Non-Profit Freedom Checking
This account is available to Non-Profit organizations which features unlimited checking with no balance requirement.
Money Market Account
This account pays more interest on higher balances. There is a $2.00 fee each month if the average monthly balance falls below $50.00. More than three checks will result in a $10.00 fee for each check over the three.
Premier Savings Account/Premier Business Savings Account
Interest bearing savings account that earns tiered rates based on the balance in the account. A $2.00 service charge is assessed f the average balance at the end of each quarter is below $50.00.
Other Savings Fees
- Insufficient Funds Fee (per item) $39.76
- Checking and Savings Insufficient Funds Fees applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means as applicable.
Contact Us
Apply for a Loan
If you have lost your ATM card or VISA Check Card and are unable to reach us during regular hours, please call 1-800-472-3272.