| APR for purchasesintroductory rate first |
| Introductory, 12 months | 0%Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 14.49%–23.49% variableHome Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first |
| Introductory, 12 months | 0%Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 14.49%–23.49% variableHome Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 18.24%–27.49% variableHome Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No Annual Fees*Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees |
| Cash advance | 5% of the amount, minimum $10, *Effective 2/10/26: 0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | 4% of the amount, minimum $10, *Effective 2/10/26: 0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| Other APRsoutside the standard boxes | 0%Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Cash advance · Introductory; Cash advance · Regular; Purchase · Introductory; Purchase · Regular | *Effective 2/10/26: 0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.Home Federal Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
