Rates and Fee Table
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases · 0.00% introductory APR for six months from the date account is open. (1) After that, your APR will be 9.99% .
APR for Balance Transfers · 0.00% introductory APR for six months from the date account is open. (1) After that, your APR will be 9.99% .
APR for Cash Advances · 0.00% introductory APR for six months from the date account is open. (1) After that, your APR will be 14.99% .
Paying Interest · Your due date is 25 days after the statement closing date. We will not charge you any interest on pur- chases or balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. (2)
Minimum Interest Charge · None (2)
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 · VISA Classic & VISA Platinum ScoreCard-Merchandise: None VISA ScoreCard-Cash Back: $30
Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · $10 $3 1% of the converted transaction amount in U.S. dollars.
(1) I NTRODUCTORY INTEREST RATE (for new purchases, balance transfers and cash advances) - From the account-opening date, the introductory interest rate will be 0% APR FIXED FOR SIX MONTHS. Thereafter the rate will be the APR disclosed in the above Rates and Fee Table, based on the terms and conditions in the application. See full details of Account conditions and terms in the Bank Credit Card Agreement ('Agreement').
(2) How We Will Calculate Your Balance - Purchases and Balance Transfers are subject to a finance charge from the date they are posted to the account; however, no interest is imposed if the account balance is paid in full within 25 days after the statement closing date. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases and Balance Transfers from the previous statement closing date and on new Credit Purchases and Balance Transfers from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. Cash Advances are subject to a finance charge and accrue daily interest beginning on the day of the advance. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, Balance Transfers, and Cash Advances, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases, Balance Transfers, and Cash Advances is determined by adding to the outstanding unpaid balance at the beginning of the billing cycle any new Credit Purchases, Balance Transfers, and Cash Advances posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Bank Credit Card Agreement.
Other Fees: Replacement Card Fee - $15 if card is replaced more than once in any 12 month period. Expedited Card Fee: $20
Important Information About Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.
Summary of Visa Account Terms:
