Interest Rates and Interest Charges

Important Credit Card Disclosures

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

Annual Percentage 
Rate (APR) for 
Purchases

7.80 % to
11.80 % 
depending on your 
credit worthiness.

10.80 % to
18.00 % 
depending on your 
credit worthiness.

 8.80 %

 14.80 %

 14.80 %

APR for Balance 
Transfers 

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

1.99% promotional 
APR for first 12 
billing cycles from 
date of balance 
transfer made prior 
to October 31, 
2018. After that, 
your APR will be 
7.80% to 11.80% 
based on your 
creditworthiness. 

1.99% promotional 
APR for first 12 
billing cycles from 
date of balance 
transfer made prior 
to October 31, 
2018. After that, 
your APR will be 
10.80% to 18.00% 
based on your 
creditworthiness. 

1.99% promotional 
APR for first 12 
billing cycles from 
date of balance 
transfer made prior 
to October 31, 
2018. After that, 
your APR will be 
8.80%. 

1.99% promotional 
APR for first 12 
billing cycles from 
date of balance 
transfer made prior 
to October 31, 
2018. After that, 
your APR will be 

 14.80 %

14.80%. 

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

APR for Cash 
Advances

7.80 % to 11.80 %
depending on your 
credit worthiness.

10.80 % to 18.00 %
depending on your 
credit worthiness.

Penalty APR and 
When it Applies

None

 8.80 %

 14.80 %

 14.80 %

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 any interest 
on purchase if you pay your entire balance by the due date each month.

Minimum Interest 
Charge

None

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau

Fees

Annual Fee

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

Visa Platinum Pro:  $25.00. 
All other cards:  None

Penalty Fees
-Late Payment
-Over-the-Credit 
Limt
-Returne d Payment  Up to $27.00

Up to $27.00
None

How We Will Calculate Your Balance: We use a method called "average daily balance (inclduing new purchases)."
Loss of Promotional APR: We may end your balance transter promotional APR and apply the regular APR if your account becomes more 
than 62 days past due, is revoked, included in bankruptcy, or becomes in default, the APR will return to the regular rate and monthly 
periodic rate. 
Rev 5/2108