Important Credit Card Disclosures

Interest Rates and Interest Charges

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

Annual Percentage 
Rate (APR) for 
Purchases

 7.80 % to  
11.80 % 
depending on your 
credit worthiness.

10.80 % to  
18.00 % 
depending on your 
credit worthiness.

 8.80 %

 14.80 %

 14.80 %

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

APR for Balance 
Transfers

 7.80 % to  
11.80 % 
depending on your 
credit worthiness.

10.80 % to  
18.00 % 
depending on your 
credit worthiness.

 8.80 %

 14.80 %

 14.80 %

Visa Platinum

Visa Platinum Plus Visa Platinum Pro

Visa Indie

Visa Secured

APR for Cash 
Advances

 7.80 % to  
11.80 % 
depending on your 
credit worthiness.

10.80 % to  
18.00 % 
depending on your 
credit worthiness.

Penalty APR and 
When it Applies

None

 8.80 %

 14.80 %

 14.80 %

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 purchase 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

Fees

Annual Fee

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

Visa Platinum Pro:  $25.00. 
All other cards:  None

Penalty Fees
-Late Payment
-Over-the-Credit Limt
-Returned Payment

Up to $27.00
None
Up to $27.00

How We Will Calculate Your Balance: We use a method called "average daily balance (inclduing new purchases)."

Rev. 07/2017