Disclosure Information
Credit Card Disclosure
Annual Percentage Rate (APR) for Purchases | 13.00% The APR will vary with the market based on the Prime Rate |
APR for Balance Transfers | 13.00% The APR will vary with the market based on the Prime Rate |
APR for Cash Advances | 13.00% The APR will vary with the market based on the Prime Rate |
Penalty APR | 17.00% 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.
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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.