First National Bank of WaterlooFNB Visa Credit CardRegistry illustration · issuer artwork unavailable

FNB Visa Credit CardFirst National Bank of Waterloo · N bank, IL · FDIC 3842

CurrentOfficial issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
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

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 National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!”
Additional source detail; structured values remain unknown. Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.”
Additional source detail; structured values remain unknown. Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Mobile purchasing capability for added convenience.”
Additional source detail; structured values remain unknown. Mobile purchasing capability for added convenience.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.”
Additional source detail; structured values remain unknown. Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Cardmember Service available 24 hours a day/365 days per year.”
Additional source detail; structured values remain unknown. Cardmember Service available 24 hours a day/365 days per year.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“Plus much more!”
Additional source detail; structured values remain unknown. Plus much more!
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“LEARN MORE”
Additional source detail; structured values remain unknown. LEARN MORE
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.”
Additional source detail; structured values remain unknown. *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.”
Additional source detail; structured values remain unknown. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Open source link ↗
First National Bank of Waterloo
Page Capture Oct 5, 2026 · Captured Oct 5, 2026 · record official-issuer:page:url:4ba51f17b6ae13bcf396db1cb3f4fe1f30b2fdd4f96b0018bf23334a0846752c
“FNB Visa Credit Card”
Open source link ↗

History

dates on sources or when they were captured

No source date is recorded for this product's terms.

Offered through: First National Bank of Waterloo
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3842
Branches: 16 in IL
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

FNB Visa Credit CardFirst National Bank of Waterloo · N bank, IL · FDIC 3842

Rates and fees