Interest Rate and Interest Charges
Annual Percentage Rate (APR) For Purchases
CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC AND VISA SECURED AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC AND VISA SECURED CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
___________% 10.95
VISA Classic:
creditworthiness.
VISA Secured: creditworthiness.
____________% - ____________% based on Your 10.95 21.00
10.95
10.95
10.95
____________% 21.00
VISA Classic: ____________% - ____________% based on Your creditworthiness.
VISA Secured: ____________% - ____________% based on Your creditworthiness.
VISA Classic: ____________% - ____________% based on Your creditworthiness.
21.00
21.00
21.00
VISA Secured: ____________% - ____________% based on Your creditworthiness. 10.95 21.00
Signature Loan: ____________% -
11.99
____________% based on Your creditworthiness.
Ready Credit Line of Credit: creditworthiness.
21.00
____________% 14.99
3.00+div rate
3.00+div rate
21.00
-____________% based on Your
Share Secured: ____________% - ____________% based on Your creditworthiness.
Certificate Secured: ____________% when You open Your account, after which Your APR will vary with the dividend rate paid on the shares pledged as Collateral. 3.00+CD rate
Personal Property Secured:
-
based on Your
____________% 1.99
____________% 17.99
creditworthiness, length of repayment, age and type of collateral pledged as security.
For VISA, We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. For all Feature Categories, We will begin charging interest on cash advances and balance transfers on the transaction date.
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.
For VISA, $25.00
For VISA, 1.00% of each foreign currency transaction in U.S. dollars.
For VISA, 0.80% of each U.S. Dollar transaction that occurs in a foreign country.
For VISA, up to $30.00
Except for VISA, $15.00 after 9 days
Annual Percentage Rate (APR) For Balance Transfers
Annual Percentage Rate (APR) For Cash Advances
Paying Interest
For Credit Card Tips from the Consumer Financial Protection Bureau
Fees
Transaction Fees
Cash Advance ..
Foreign Transaction
Penalty Fees
Late Payment .
How We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance." For VISA, We use a method called "average daily balance (including new purchases)." See Your Account Agreement for details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
-
based on Your
