Interest Rates and Interest Charges 

The REALTOR® Credit Card  

Annual Percentage Rate  
(APR) for Purchases 

3.90% introductory APR until December 31, 2017.  

After that, your APR will be 9.00% to 18.00% when you open 
your account, based on your creditworthiness. After this, your APR will 
vary with the market based on the Prime Rate. 

APR for Balance Transfers 

9.00% to 18.00% based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

APR for Cash Advances 

9.00% to 18.00% when you open your account, based on your 
creditworthiness. After this, your APR will vary with the market based on 
the Prime Rate. 

Penalty APR  

None 

Minimum Interest Charge 

How to Avoid Paying Interest 
on Purchases 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

Fees 

None   
Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date.  
To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore 

Annual Fee 
Paper Periodic Statement Fee 

$0.00 
$5.00 per month 

Transactions Fees 

•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

$0.00 
$0.00 
Up to 1% of transaction amount 

Penalty Fees 

•  Late Payment 
•  Returned Payment  
•  Over-the-Credit Limit 

Up to $35 
Up to $35 
$0.00 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new 
purchases). This method is explained in the cardholder agreement.  

The information on this disclosure is current as of November 1, 2017 and is subject to change.  To determine if 
any changes have occurred since this date call 866-295-6038.