Interest Rates and Interest Changes

Credit Disclosure

Annual Percentage Rate (APR) 
for Purchases

13.9% This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

13.9% This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

13.9% This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest 
on Purchases

You have at least 25 days after the close of each statement period to pay your balance in 
full without being charged interest. There is no grace period for cash advances.

G-13998

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

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 at http://www.
consumerfinance.gov/learnmore.

Fees

Maintenance and Set-up Fees

NOTICE: Some of these set-up and maintenance fees may be assessed before you begin 
using your card and will reduce the amount of credit you initially have available.

Annual Fee

Additional Card Fee

Transaction Fees

Balance Transfer Fee

Cash Advance Fee

None

None

None

None

Foreign Transaction Fee

Up to 1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment Fee

Up to $30 assessed five (5) days after due date.

Returned Payment Fee

Up to $32 

The minimum monthly payment is 2% of your total new balance or the overlimit amount, whichever is greater, but not less than 
$25 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit 
for three (3) business days. Your payment is due the 10th of every month.

Cash Rewards Terms & Conditions:
Earn 1% back on all your purchases for your charity! The 1% reward will be donated to your charity, on your behalf, annually 
in November.  Rewards are earned on purchases only; returns will be deducted from the calculation. If your account is closed, 
voluntarily or involuntarily, past due or over limit, or inactive you will forfeit all rewards. 

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).” See 
your account agreement under Finance Charge for more details.

How We Will Calculate Your Variable Rate: Your variable rates may change when the Prime Rate changes.  Rates are 
adjusted quarterly on the 1st business day of the 1st month of the quarter.  It is determined by adding 10.65% to the highest 
U.S. prime rate published in  The Wall Street Journal  “Money Rates” table on the 15th business day of the prior month.  The 
rate is effective on the first day of the billing cycle. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

Information contained in this Credit Disclosure is accurate as of 11/01/2012 and is subject to change thereafter. To obtain more 
recent information, please call us at 1-800-289-5939.

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