Consumer Credit Cards

Visa® Consumer Credit Card

Interest Rates, Interest Charges, and Fee Disclosures

Interest Rates and Interest Charges

 
Annual Percentage Rate (APR) for Purchases and Balance Transfers 13.05% to 14.70% 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 Advances24.74%
This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest on PurchasesYour 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 ChargeIf you are charged interest, the charge will be no less than $0.01.
For Credit Card Tips from Consumer Finance Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Finance Protection Bureau at http://www.consumerfinance.gov/learnmore 

Fees

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

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. 

* 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.