Visa® Secured Disclosures 

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

14.80%    

APR for Balance Transfers 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

(cid:120) Late Payment

Up to $2(cid:26).00

(cid:120) Over-the-Credit Limit

None

(cid:120) Returned Payment

Up to $2(cid:26).00

How We Will Calculate Your Balance: We use a method called “average daily balance (including 
new purchases).”

Rev 10/2012