Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, 6 months	0%FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“0% introductory rate for 6 months for qualified members”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
	13.99%–18% variableFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“13.99%-18.00%”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR for balance transfersintroductory rate first
Introductory, 6 months	0%FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“0% introductory rate for 6 months for qualified members”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
After	13.99%–18% variableFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“13.99%-18.00%”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR for cash advances	13.99%–18% variableFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“13.99%-18.00%”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No annual feeFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No annual fee”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	0% of the amount, 0% balance transfer feeFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“0% balance transfer fee”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other APRsoutside the standard boxes	0%FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“0% introductory rate for 6 months for qualified members”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · Introductory	0% introductory rate for 6 months for qualified membersFIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“0% introductory rate for 6 months for qualified members”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular	APR means Annual Percentage Rate. Rates are good as of 10/1/24, are based on creditworthiness, and will vary with the market based on the Prime Rate.FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“APR means Annual Percentage Rate. Rates are good as of 10/1/24, are based on creditworthiness, and will vary with the market based on the Prime Rate.”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Cash back	1.50% cash back; up to 2% when conditions are met. Payment timing is not disclosed. A cash rebate of 2% is contingent upon opening and maintaining Better Rewards Checking, otherwise purchases earn a 1.5% cash rebate. See requirements for FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“A cash rebate of 2% is contingent upon opening and maintaining Better Rewards Checking, otherwise purchases earn a 1.5% cash rebate. See requirements for”FIRST FINANCIAL OF MARYLAND · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website

Visa Credit Card Agreement and Disclosurepage 1 of 9

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

VISA Traditional Rewards VISA Signature Rewards

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as 'Agreement') govern the terms and conditions of this Account. 'We,' 'Us,' 'Our' and 'Ours' and 'Credit Union' refers to First Financial of Maryland Federal Credit Union with which this Agreement is made. 'You,' 'Your,' and 'Yours' refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

SECURITY INTEREST

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase.

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount.

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.

USING YOUR ACCOUNT By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.

CREDIT LIMIT We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law.

REPAYMENT You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges and fees.

For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.

The Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $20.00, then Your Minimum Payment Due is the amount of the total New Balance.

You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.

1 2 3 4 5 6 7 8 9No page of this document is cited by this card

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 FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“0% introductory rate for 6 months for qualified members”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“13.99%-18.00%”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“APR means Annual Percentage Rate. Rates are good as of 10/1/24, are based on creditworthiness, and will vary with the market based on the Prime Rate.”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“No annual fee”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“0% balance transfer fee”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“A cash rebate of 2% is contingent upon opening and maintaining Better Rewards Checking, otherwise purchases earn a 1.5% cash rebate. See requirements for”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“Cardholder Agreement”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“Signature Rewards Terms & Conditions”
Open source link ↗
FIRST FINANCIAL OF MARYLAND
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:0a953ab62783f373782e5c9ca4ca764849e851a9052da3982f837ae0c95cae79
“Visa Signature Rewards”
Open source link ↗

History

dates on sources or when they were captured

Oct 13, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance APR, Cash back, Issuer link, Purchase APR

Offered through: First Financial of Maryland Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 8554
Branches: 10 in MD
Sources: Official issuer · 2 documents · 0 pages cited

Documents

Visa Credit Card Agreement and Disclosureeffective date not parsedName declaration: VISA Signature Rewards · page 1
Visa Credit Card Agreement and Disclosureseffective date not parsedName declaration: Visa Signature Rewards · page 7

VISA Signature RewardsFirst Financial of Maryland Credit Union · federal credit union, MD · NCUA 8554

Rates and fees