Rates & Fees  - Platinum Visa with Rewards 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases 

APR for Balance  
Transfers  

APR for Cash  
Advances 

Penalty APR 

3.99% for Introductory period of 6 months. 
After that your APR will be  
8.9% – 17.9% based on your creditworthiness.  

6.99% for Introductory period of 12 months. 
After that your APR will be  
10.9% – 17.9% based on your creditworthiness.  

10.9% – 17.9% based on your  
creditworthiness. 

17.9% - This APR may be applied when: 
  Your minimum monthly payment is more than 60 days late 

  You have more than one late payment in 12 months 

  You are in default of any other terms of the Agreement 
How long will the Penalty apply? If your APR is increased for any 
of  these  reasons,  the  Penalty  APR  will  apply  until  you  make  six 
consecutive minimum payments when due. 

How to Avoid Paying Interest on 
Purchases 

Your  due  date  is  approximately  25  days  after  the  close  of  each 
billing cycle. We will  not charge  any interest  on the  portion of the 
purchases balance that you pay 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 at:http://www.consumerfinance.gov/learnmore.   

Annual Fee 

Transaction Fees 

FEES 

none 

  Foreign Transaction Fee 

Up to 1% of the US dollar amount of the foreign transaction. 

Penalty Fees 

  Late Payment Fee 

$25 for balances > $1000  
$20 for balances $100-$1000 
$10 for balances < $100  

  Returned Item Fee 

  Card Replacement Fee 

$25 
$5 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new 
purchases). 

We reserve the right to amend the OnPoint Visa Credit Card Agreement as permitted by law.  The above 
rates and fees are current as of March 30, 2012.