Consumer Credit Cards

VISA® CONSUMER CREDIT CARDS

INTEREST RATES, INTEREST CHARGES, AND FEES DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers	12.55% to 14.20% when you open your account, based on your creditworthiness and the credit limit requested or approved After that, your APR will vary with the market based on the Prime Rate*
APR for Cash Advances	24.24% This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest	Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month.  We will begin charging interest on Cash Advances on the transaction date.  There is no grace period on Cash Advances.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.01.
For Credit Card Tips from Consumer Finance Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Finance Protection Bureau at www.consumerfinance.gov/learnmore

Fees
Annual Fees	NONE
Transaction Fees
• Balance Transfer	Up to $5.00 or 5.0% of the amount transferred, whichever is greater
• Cash Advances	$10.00 or 3.0% of the amount advanced, whichever is greater
• Foreign Transaction	1.0% of the purchase amount
Penalty Fees
• Late Payment	Up to $25.00
• Returned Payment	Up to $25.00
Other Fees
• Expedited Delivery Fee	$15.00
• Pay By Phone Fee	$10.0

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions)."
*Prime Rate and Margin: The variable APR is based on the Prime Rate Index.  The Prime Rate Index used to determine your APR is the prime rate published in the Wall Street Journal on the 1st day of the prior month.  Your APR may change monthly.