Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	21.49% variableMidFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49%”MidFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	21.49% variableMidFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49%”MidFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	24.99% variableMidFirst Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“24.99%. ThisAPR will vary with the market based on the Prime Rate.”MidFirst Bank · 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	—	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

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SECURED CREDIT CARD APPLICATION DISCLOSURE

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchase · YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49% APR for Balance Transfers · YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49% APR for Cash Advances · 24.99%. ThisAPR will vary with the market based on the Prime Rate. Penalty APR and When It Applies · Up to 24.99%, based on your creditworthiness. ThisAPR may be applied to your account if you: 1. Make a late payment; 2. Go over your credit limit; or 3. Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the PenaltyAPR will apply until you make six consecutive monthly minimum payments when due. How to Avoid Paying Interest on Purchases · Your due date is at least 25 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. 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

Fees Annual Fees · $19.00 Transaction Fees • Balance Transfer • Cash Advance • Cash Equivalent • Foreign Transaction · Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. Either $10 or 5% of the amount of each Cash Advance, whichever is greater. Either $10 or 5% of the amount of each Cash Equivalent Transaction, whichever is greater. 3% of the U.S. dollar amount of each transaction made in a foreign currency or made in U.S. dollars that is processed outside the United States. This fee will be in addition to any other applicable fee. Penalty Fees • Late Payment • Return Payment · Up to $24.50 Up to $25.00

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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.

MidFirst Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49%”
Read exact source ↗
MidFirst Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“24.99%. ThisAPR will vary with the market based on the Prime Rate.”
Read exact source ↗
MidFirst Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“YourAPR will be when you open your account. ThisAPR will vary with the market based on the Prime Rate. 21.49%”
Read exact source ↗

History

dates on sources or when they were captured

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

Offered through: MidFirst Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 4063
Branches: 94 in AZ, CA, CO, NV, OK, TX, UT
Sources: Official issuer · 1 document · 1 page cited

Documents

Page 1effective date not parsed

Consumer SecuredMidFirst Bank · SB bank, AZ · FDIC 4063

Rates and fees