Summary of Terms for 
Oakstone Secured 
Credit Cards  
as of 4/1/2022 

Interest Rates and 
Interest Charges 

Annual Percentage 
Rate(APR) for Purchases 

Oakstone Secured MasterCard® 
Gold Credit Card 

Oakstone Secured Rewards 
MasterCard® Credit Card 

These APRs will vary with the market based on the Prime Rate 

Prime Rate plus Margin of 10.74%* 

Prime Rate plus Margin of 10.74%* 

APR for Cash Advances 

Prime Rate plus Margin of 16.74%* 

Prime Rate plus Margin of 19.74%* 

Paying Interest 

Your payment due date is at least 25 days after the close of each billing cycle. W e 
will not charge you interest on purchases if you pay your entire balance by the due 
date each month. We will begin charging interest on cash advances on the date of 
the cash advance. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.50 

Fees 

Annual Fee 

Transaction Fees 

     Cash Advance 

$39 

$49 

Either $10.00 or 3% of the amount of each Cash Advance, whichever is greater 

     Foreign Transactions 

3% of the transaction amount 

Penalty Fees  

     Late Payment 

Returned Payment 

Up to $41.00    

Up to $30.00  

How We Will Calculate Your Balance: We use a method called “daily balance”.   *See the Cardholder Agreement for more details. 

OOKPT-080120-040122