Visa® Indie Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

14.80% 

APR for Balance Transfers 

3.99% promotional APR for first 12 months from date of 
balance transfer made prior to August 31, 2016. After that, 
your APR will be 14.80%. 

APR for Cash Advances 

14.80% 

Penalty APR and 
When it Applies 

None 

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 purchases 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 

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 

Annual Fee 

None 

Penalty Fees 

• Late Payment

Up to $27.00 

• Over-the-Credit Limit

None 

• Returned Payment

Up to $27.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance (including 
new purchases).” 

Rev 07/2016