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Personal Banking

 

 

 


Interest Rates and Interest Charges Visa®Classic Visa® GOLD
Annual Percentage Rate for Purchases 14.90% 11.90%
APR for Balance Transfers

 

14.90%

Fixed

 

11.90%

Fixed

APR for Cash Advances

 

14.90%

Fixed

 

11.90%

Fixed

Penalty APR and When it Applies

This APR may be applied to your account if you:

  1. 1) Make a late payment
  2. 2) Go over your credit limit
  3. 3) Make a payment that is returned; or
  4. 4) do any of the above on another account that you have with us.
  5. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the penalty APR will apply until you make six consecutive 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 interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.01
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Ferderal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees

Visa® Classic

Visa® Gold
Annual fee None None

Transaction fees

  • Balance Transfer
  • Cash Advances
  • Foreign Transaction

 

  • None
  • $3.00
  • None

Penalty Fees

  • Late Payment
  • Over the Credit Limit
  • Returned Payment

 

  • Up to $15.00
  • None
  • None
Other Fees None

How We Will Calculate Your Balance: We use a method called "average daily balance" (includeing new purchaces).* An explination of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to excercise those rights is provided in your account agreement.