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VISA<sup>®</sup> Credit Card Rates

VISA® Credit Card Rates and Disclosures

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. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Rates current as of October 16, 2019

Charge APR*
Purchases 9.75% or 12.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Balance Transfers 9.75% or 12.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Cash Advances 9.75% or 12.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Fee APR*
Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
Late Payment Fee Up to $20.00**
Returned Payment Fee Up to $25.00
Statement Copy Fee $5.00
Document Copy Fee $5.00
Rush Fee $40.00
Emergency Card Replacement Fee $40.00
Card Replacement Fee $10.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Rates

*

APR=Annual Percentage Rate. VISA® Platinum Credit Card rates are variable based on the Prime Rate as published by The Wall Street Journal and are currently 9.75% APR or 12.75% APR based on your credit history and creditworthiness. Rates are effective as of August 20, 2019. Rates are subject to change without notice. A $10 Membership Account is required.

**

Late Payment Fee is $20.00 if you are two or more days late in making a payment.