Disclosure Information

Credit Card Disclosure

 

Annual Percentage Rate (APR) for Purchases

8.25%    The APR will vary with the market based on the Prime Rate

APR for Balance Transfers

8.25%    The APR will vary with the market based on the Prime Rate

APR for Cash Advances

8.25%    The APR will vary with the market based on the Prime Rate

Penalty APR

12.25%  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

If you are charged interest, the charge will be no less than $1.50

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.

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.