Pricing Information 

In effect as of 01/01/2019 

INTERESTS RATES AND 
INTEREST CHARGES  

Annual Percentage Rate 
(APR) For Purchases 

APR for Balance Transfers 

9.40% TO 17.90%, based on your creditworthiness.  
This APR will vary with the market based on the prime rate. 

11.40% TO 17.90%, based on your creditworthiness. 
This APR will vary with the market based on the prime rate. 

APR for Cash Advances 

11.40% TO 17.90% 
This APR will vary with the market based on the prime rate. 

Penalty Pricing and When It 
Applies 

None 

Paying Interest 

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. 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 not less than $2.00. 

For Credit Card Tips 
from The Bureau of 
Consumer Financial 
Protection  

FEES 
Annual Fee 

Transaction Fees 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Bureau of Consumer Financial 
Protection at http://www.consumerfinance.gov/learnmore 

$0.00 

•  Balance Transfer Fee 

$0.00 

•  Cash Advance Fee 

Either $10.00 or 2.000% of the amount of each cash advance, whichever is 
greater. 

•  Foreign Transaction 

Fee 

Penalty Fees 

2% of each foreign transaction in U.S. dollars 

•  Late Payment Fee 
•  Over-The-Credit Limit 

Fee 

Up to $25.00 

$0.00 

•  Returned Payment Fee 

Up to $25.00 

How We Will Calculate Your Balance: We use the average daily balance (including new purchases). This 
method is explained in the Cardholder Agreement. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  are 
provided in the Cardholder Agreement.  

Minimum Payment: Your minimum payment will be 2% of your current balance or $15.00, whichever is 
greater, unless your balance is less than $15.00. If your balance is less than $15.00, then your minimum 
payment will be the amount of your statement balance. Any amount that is past due will also be added to 
the minimum monthly payment amount.  

1 

 
 
 
 
 
 
 
 
Replacement Cards, Copies and Special Services: 

Statement Copy Fee: 
$5.00  

Rush Fee: $35.00 

Emergency Card Replacement Fee: 
Up To: $200.00  

Research Fee: $25.00 per hour 

VARIABLE RATE: 
Your variable APR may change quarterly if the Prime Rate changes. Any change to your APR will take effect on 
the first statement cycle after the beginning of the next quarter.  Calendar quarters begin January 1, April 1, July 
1, and October 1 of each year.  

We calculate variable rates by adding a percentage (also called a margin) to the Prime Rate published in the 
Money Rates section of The Wall Street Journal 30 days before the end of the quarter. If the Wall Street Journal 
stops publishing the Prime Rate, we will choose a similar reference rate based upon comparable information. 

Any increase in the Prime Rate may increase your interest charges and your minimum payment. The current 
Prime Rate plus the percentage applicable to you is the rate reflected in your Account Opening Disclosure.   

2