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Credit Card Disclosure

Annual Percentage Rate (APR)

9.9% Visa Platinum

                        for Purchases

13.8% Visa Classic and MasterCard Classic


Other APR’s:
          Balance Transfer APR


Same as Purchases

             Cash Advance APR

Same as Purchases

                       Penalty APR*

15.9% Visa Platinum*

17.8% Visa Classic and MasterCard Classic*


Balance Calculation Method

Average Daily Balance

                     for Purchases

(including new purchases)


Annual Fee

None


Grace Period for Purchases

25 Days from Date

on Billing Statement

Minimum Finance Charge

$1.00 (Only in statement periods

                  for Purchases

in which interest is due)

* The Penalty Rate for balances that are 60 days or more past due is 15.9% APR for Visa
Platinum and 17.8% APR for Visa Classic and MasterCard Classic.

  • Late Payment Fee: $15.00

  • Over Credit Limit Fee: $15.00

  • Returned Check Fee: $15.00

  • Cash Advance Fee: 2% of Advance Amount, Minimum $1.00, Maximum $5.00. The fee
    is waived for Balance Transfers.

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