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Personal Credit Card

Purchase just about anything you can imagine. Get global buying power from your

homegrown bank.

Visa®

Interest Rates and Interest Charges for Visa Credit Card

Visa®

15.99% Fixed

15.99% Fixed

15.99% Fixed

Interest

Rates and

Interest

Charges

Annual

Percentage

Rate (APR)

for

Purchases

APR for

Balance

Transfers

APR for

Cash

Advances

Penalty APR

None

and When it

Applies

Paying

Interest

Your due date is at least 25 days after the close of each billing
cycle.  We will not charge you interest on purchases if you pay

your entire balance by the due date each month.  We will

begin charging interest on cash advances and/or balance

transfers on the transaction date.

Minimum

None

Interest

Charge

Visa®

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.

Interest

Rates and

Interest

Charges

For Credit

Card Tips

from the

Consumer

Financial

Protection

Bureau

Fees for Visa Credit Card

Fees

Visa®

Annual Fee

None

Transaction Fees

·
·
·

Balance

Transfer

Cash

Advance

Foreign

Transaction

Penalty Fees

·
·
·

Late

Payment

Over-the-

Credit

Limit

Returned

Payment

2.0% of the amount transferred

· 2.0% of the amount advanced ($2.00 minimum)
· 1.0% of each multi-currency transaction in U.S.
·

Dollars or 0.80% of each single-currency
transaction in U.S. Dollars

Up to $25.00

· None
· None
·

 
 
Fees

Visa®

Other Fees

·

Telephone

Payment

$10.00

·

How We Will Calculate Your Balance:  We use a method called "average daily balance" (including new
purchases).  An explanation of this method is provided in your credit card agreement.  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is
provided in your credit card agreement. 
Daily Periodic Rate: The daily periodic rate used to calculate interest for your account is 0.04381% which
is calculated by dividing the APR by 365.

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