Annual Percentage Rate for Purchases & Cash Advances 9.90%-12.00 FIXED
rates based on credit worthiness
APR for Balance Transfers 9.90%-12.00 FIXED
To Avoid Paying Interest on Purchases You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date.
Method of Computing the Finance Charge on Purchases Finance charge computed by applying the monthly periodic rate to the average daily balance of purchases.
Method of Computing the Finance Charge for Cash Advances Finance charge computed by applying the monthly periodic rate to the average daily balance of cash advances.
Over the Limit Fee $25.00
Late Payment Fee $25.00
Annual Fee None
Returned Payment Fee $20.00
Replacement Card Fee $20.00
Minimum Finance Charge None
Balance Transfer Fee $15.00
Transaction Fee for Cash Advances None
Foreign Transaction Fee 1% of transaction Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be made in accordance with the operating regulations for international transactions established by Visa.
ATM Cash Advance $1.50
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 website of the Federal Reserve Board.