Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	19.74%–34.74% variableFirst Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“19.74% to 34.74% based on your creditworthiness. This APRwillvary with the marketbased on the Prime Rate.”First Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	19.74%–34.74% variableFirst Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“19.74% to 34.74% based on your creditworthiness. This APRwillvary with the market basedonthe Prime Rate.”First Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	31.74%–34.74% variableFirst Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“31.74% to 34.74% based on your creditworthiness This APR will vary with the market based on the Prime Rate.”First Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0First Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”First Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

SYW 5321 Visapage 1 of 13

RATES AND FEES SUPPLEMENT

(Part 1 of 2)

5321 Visa® Credit Card Issued by First Bank & Trust, Brookings, SD

Interest Rates and Interest Charges Annual Percentage Rate (“APR”) for Purchases · 19.74% to 34.74% based on your creditworthiness. This APRwillvary with the marketbased on the Prime Rate. APR for Balance Transfers · 19.74% to 34.74% based on your creditworthiness. This APRwillvary with the market basedonthe Prime Rate. APR for Cash Advances · 31.74% to 34.74% based on your creditworthiness This APR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 22 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. We will begin charging interest on cash advances and balance transfers on the posting date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1. 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 Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction Fee · Either $10 or 5% of the amount of each transfer, whichever is greater. Either $5 or 5% of the amount of each cash advance, whichever is greater. 3% of each transaction in U.S. dollars. Penalty Fees • Late Payment • Return Payment · Upto $41. Up to $41.

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new transactions).' See your Cardmember Agreement Part 2 of 2 for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement Part 2 of 2.

All rates disclosed below are as of 12/31/2025.

Prime Rate*: Variable APRs are based on the 6.75% Prime Rate as of 12/31/2025.

Additional Information About the Rates on your Account: Standard rate for Purchases: The Margin is 12.99% to 27.99%. The daily periodic rate ('DPR') is 0.05408% to 0.09518% (corresponding APR of 19.74 to 34.74%). Standard rate for Balance Transfers: The Margin is 12.99% to 27.99%. The DPR is 0.05408% to 0.09518% (corresponding APR of 19.74 to 34.74%). Standard rate for Cash Advances: The Margin is 24.99 to 27.99%. The DPR is 0.08696% to 0.09518% (corresponding APR of 31.74 to 34.74%).

"Prime Rate" means the highest U.S. Prime Rate of interest published in the Money Rates section of The Wall Street Journal on the last day of each month.

1 2 3 4 5 6 7 8 9 10 11 12 13Pages 1 and 4 and 5 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“19.74% to 34.74% based on your creditworthiness. This APRwillvary with the market basedonthe Prime Rate.”
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“31.74% to 34.74% based on your creditworthiness This APR will vary with the market based on the Prime Rate.”
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“19.74% to 34.74% based on your creditworthiness. This APRwillvary with the marketbased on the Prime Rate.”
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 4
“We calculate your variable APR by adding a margin to the highest U.S. Prime Rate of interest published in the Money Rates section of The Wall Street Journal on the last day of each month. Your current margins are shown in Part 1 (the Rates and Fees Supplement) under Additional Information About the Rates on Your Account. The APR may increase or decrease each month if and as the Prime Rate changes…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“We calculate periodic interest using the average daily balance method (including new transactions) with compounding. This means the interest compounds daily. To determine your periodic interest charges on each billing statement, we take the Average Daily Balance for each type of transaction (for example, Purchases, Balance Transfers and Cash Advances), then multiply this number by the applicable …”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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First Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 22 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. We will begin charging interest on cash advances and balance transfers on the posting date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: First Bank & Trust
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3973
Branches: 22 in MN, SD
Sources: Official issuer · 1 document · 3 pages cited

Documents

SYW 5321 Visaeffective date not parsed

5321 Visa® Credit CardFirst Bank & Trust · NM bank, MN · FDIC 3973

Rates and fees