Rev 2/2021  Visa� Platinum-Pro Disclosures 
How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).� Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 8.80%
APR for Balance Transfers 8.80% 
APR for Cash Advances 8.80% 
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 $25.00 
Penalty Fees 
�Late Payment
�Over-the-Credit Limit
�Returned Payment
Up to $27.00  
None 
Up to $27.00