Fact Sheet 

Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

0% up to 29.99% 
Some APRs may vary with the market based on the Prime Rate.

APR for Cash Advances

0% up to 29.99% 

Some APRs may vary with the market based on the Prime Rate.

Penalty APR and When 
It Applies

Up to 29.99% based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Paying Interest

This APR may be applied to your account if you: 
1.  Make a late payment or 
2.  Make a payment that is returned. 

How Long Will the Penalty APR Apply? If your APRs are increased for 
either of these reasons, the penalty APR may apply indefinitely.

Your due date is at least 23 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. We will begin charging interest on 
cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.

How We Calculate 
Your Balance

Daily Balance

Fees

Annual Membership Fee

$95

Transaction Fees

•  Balance Transfer: Either $5 or 3% of the amount of each transfer, 

whichever is greater. 

•  Cash Advance: Either $10 or 5% of the amount of each cash advance, 

whichever is greater. 

•  Foreign Purchase Transaction: None

Penalty Fees

•  Late Payment: Up to $35 

•  Returned Payment: Up to $35

Details About Your Interest Rates 
and Interest Calculations

Daily Periodic Rate

For Variable Rates: 
U.S. Prime Rate Plus

Purchases

Cash Advances

Penalty APR

0% up to 0.08216%

0% up to 26.74%

0% up to 0.08216%

0% up to 26.74%

Up to 0.08216%

Up to 26.74%

Variable rate APRs will not exceed 29.99%

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