IMPORTANT CREDIT CARD DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card is 
accurate as of _________________. You can contact us toll free at the number or address on Page 1 to inquire if any changes 
January 1, 2022
occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate 
(APR) for Purchases & 
Cash Advances

APR for Balance Transfers

Platinum 
Secured Visa

17.90%

17.90%

Visa Signature

Preferred No Frills Visa

13.00%14.00% 17.00%

,
or

,
17.90%

depending on your credit history. 
This APR will vary with the market 
based on the Prime Rate.

,

,

,

,
,
9.00% 10.00%13.00%
or
17.00%
15.00%
depending on your credit history. 
This APR will vary with the market 
based on the Prime Rate.

,

or

6.85%

Introductory 

,
2.85% 3.85%
APR for six months from the date of 
the transaction for balance transfers 
completed between January 1, 2022 
and March 31, 2022 depending on 
your credit history. After that, your 
Standard APR will be
,
or
17.00% 17.90%
your credit history. This APR will vary 
with the market based on the Prime 
Rate.

depending on

,
13.00% 14.00%

Introductory

or,

6.85%

,
2.85% 3.85%
APR for six months from the date of 
the transaction for balance transfers 
completed between January 1, 2022 
and March 31, 2022 depending on 
your credit history. After that, your 
Standard APR will be
,
,
,
13.00% 15.00%
depending on 
This APR will vary with the market 
based on the Prime Rate.

,
9.00% 10.00%

your credit history.

17.00%

or

Penalty APR and When it 
Applies

Paying Interest

17.90%
This APR may be applied to your account if you make a payment that is late 60 days or more.
How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, 
we may keep them at this higher level on existing and new balances until you make six 
consecutive on-time payments. If we increase your APRs for any other reason, we may keep 
them at this higher level on new balances indefinitely.

Your due date is at least 25 days after we mail your billing statement. We will not charge you 
interest on purchases if you pay your entire new purchase balance by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the date 
the cash advance or balance transfer is posted to your account.

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:

Fees to Open or Maintain 
your Account
• Annual Fee:
• Application Fee:

None
None

Transaction Fees

• Balance Transfer:
• Cash Advance:
• Foreign Transaction:

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

None
None
Preferred No Frills Visa and Platinum Secured Visa: 1% of each transaction in U.S. dollars
Visa Signature: None

Up to $35 if your payment is late.
None
Up to $35 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.
COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.
9013 LASER XFM FI1001783 10-2021
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