INTEREST RATE AND INTEREST CHARGES

Annual Percentage Rate(APR) 
for Purchases

13.25%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

13.25%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

18%

Paying Interest

We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the 
due date each month. 
The Interest Charge on cash advances begins from the date you obtained the cash advance. 

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 Fees

Transaction Fees
•        Balance Transfer
•        Cash Advance
•        Foreign Transaction Fees

None

None
None
None

Penalty Fees
•        Late Payment
•        Over-the-Credit-Line
•        Returned Payment

Other Fees
•        Card Replacement
•        Rush Card
•        Statement Copy
•        Document Copy

Up to $25
None
Up to $25

$5.00/card
$25.00/card
5.00
5.00

How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how 
we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Minimum Payment Calculation: The minimum payment is 2% of the New Balance, or $15.00, whichever is greater, plus the amount of prior minimum 
payments that you have not made, and any amount you are over your credit line by the date specified on the statement.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates 
section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR 
may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime 
Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference 
index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.
Prime Rate: Variable APRs are based on the 5.25% Prime Rate as of August 1, 2019.
Purchase APR: For Purchase transactions, we add a Margin of 8% to the Prime Rate of 5.25.  The Purchase APR may increase or decrease each month if 
the Prime Rate changes, but will not exceed the maximum rate of 18.00%.  The Monthly periodic rate of FINANCE CHARGES will be no less than 1% and no 
greater than 1.50%.
Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 8% to the Prime Rate of 5.25.  The Balance Transfer APR may increase or 
decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 18.00%.  The Monthly periodic rate of FINANCE CHARGES will be 
no less than 1% and no greater than 1.50%.
Cash APR: Your Cash rate is 18%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.5%.