Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to avoid paying interest on 
purchases 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 

Annual Fee 

Membership Fee 

Transaction Fees 

•  Balance Transfer 
•  Cash Advances 
•  Foreign Transaction 

Penalty Fees 

          APPLICATION AND SOLICITATION DISCLOSURE  

9.90% 
Fixed 

9.90%  
Fixed 

9.90% 
Fixed 
None 

Your due date is at least 25 days after close of each billing cycle. We 
will not charge you interest on purchases if you pay the entire 
balance by the due date each month. 
To learn more about factors to consider when applying for or using 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 

None 

None 

None 
None 
Up to 1.00% 

•  Late Payment 
•  Over-the-Credit-Limit 
•  Returned Payment 

Up to $25.00 
None 
Up to $25.00 
How we will Calculate Your Balance: We use a method called “average daily balance” (including new 
purchases). 

 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided 
in your account agreement.  

 Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of 
the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of 
consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The 
costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified credit transactions 
or accounts); and any participation fee charged (other than certain participation fees for a credit card 
account).