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Approval and your Annual Percentage Rate may be higher depending on your credit worthiness. Please ask a Financial Service Representative for details regarding how your rate is determined. Interest rates are subject to change and are as low as those listed below. Other restrictions may apply.
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Credit Cards
Important Visa Credit Card Disclosures
View our full Credit Line Account Agreement and Federal Disclosure Statement here.
Interest Rates and Interest Charges
| ANNUAL PERCENTAGE RATE (APR) for Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card. | Platinum: 8.9% APR 1.99% APR for first 12 months, for new cards opened January 10, 2020 through March 31, 2020 |
|---|---|
| ANNUAL PERCENTAGE RATE (APR) for Balance Transfers made between January 10, 2020 and March 31, 2020. | 0% APR for 12 months, then standard rate |
| How to Avoid Paying Interest on Purchases | Your due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau. |
Fees
| Annual Fees | None |
|---|---|
| Penalty Fees - Late Payment - Returned Payment |
$25 |
| Transaction Fees - Foreign Transaction - Balance Transfer - Cash Advance |
1% of transaction amount |
| International Service Assessment Fee | 1% of transaction amount |
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).
