INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When It Applies

Paying Interest

Minimum Interest Charge
For Credit Card Tips from the Consumer
Financial Protection Bureau

7.75%
This APR will vary with the market based on the Prime Rate.
7.75%
This APR will vary with the market based on the Prime Rate.
7.75%
This APR will vary with the market based on the Prime Rate.
18%
If your APRs are increased for this reason, the Penalty APR will apply until you make six
consecutive minimum payments when due.
1) Make a late payment;
2) Go over your credit limit; or
3) Make a payment that is returned.
How Long Will the Penalty APR Apply? This APR may be applied to your account if your
account is not current for two months.
Your due date is at least 26 days after the close of each billing cycle.  We will begin charging
interest on credit purchases you obtain through the use of your card which have not been paid by
the due date shown on the statement on which the transaction is detailed.  Cash advance and
balance transfer finance charges accrue on the outstanding daily balance from the date of the
advance or transfer, through the date paid.
If you are charged interest, the charge will be no less than $0.50.
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

None

Up to $35.00
Up to $35.00

Either $10.00 or 3% of the amount of each advance, whichever is greater (maximum fee, $75.00)
2% of each transaction

Annual Fees
Transaction Fees
• Cash Advances
• Foreign Transactions
Penalty Fees
• Late Payment
• Returned Payment
How will we calculate your balance?: We use a method called "average daily balance (including new purchases)."  "See your account
agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the
Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your
billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of
your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher
minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops
publishing the Prime Rate, we will select a similar reference rate.
Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of September 30, 2013.