Classic Visa Terms and Conditions
Important Information on Rates, Fees and Other Costs

Interest Rates and Interest
Charges

Variable Annual Percentage
Rate (APR) for Purchases,
Balance Transfers and Cash
Advances

Non-Variable Annual
Percentage Rate (APR) for
Purchases, Balance
Transfers and Cash
Advances

Variable Rate Information



 Eective 01-17-2018

Alert Me

13.25% to 18.00%

when you open your account.

14.24% to 18.00%

when you open your account.

Your annual percentage rate (APR) may vary monthly. Your
rate will be based on the U.S. (Fed) Prime Rate as of the last
day of the preceding month. Rates will be determined on
the 5th of each month.

Minimum Monthly Payment

2% of the outstanding balance or $40, whichever is greater.

How to Avoid Paying
Interest on Purchases

Your due date is at least 25 days after the close of each
billing cycle. We will not charge you 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 Fee

$0

Alert Me

Transaction Fees

Penalty Fees

• Balance Transfer: $0 
• Cash Advance: $0 
• Foreign Transaction: Visa International Service
Assessment Fee 
          • Single Currency Transaction: 0.8% of transaction 
          • Multiple Currency Transaction: 1.0% of transaction

•   Late Payment: $25 for the rst violation, $30 for the next
violation(s) during the next 6 billing cycles 
•   Overlimit: $0 
•   Return Payment: $0

Balance Computation
Method

Average daily balance including new purchases.

Finance Charge

Calculated using monthly periodic data.

Advertised rates include a 0.25% discount for automatic payments. Without Autopay, your APR will be 0.25% higher.