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Personal Bank Card Disclosure

VISA® Classic Credit Card & VISA® Platinum Rewards Credit Card
  Interest Rates and Interest Charges
Rate (APR)
9.90% for VISA® Platinum, 14.90%
for VISA® Classic depending on your credit worthiness
APR for Balance
9.90% for VISA® Platinum 14.90% for VISA® Classic
APR for Cash
14.90% for both VISA® Platinum annd VISA® Classic
Penalty APR and When it Applies
Not applicable
Paying Interest
There is no grace period on balance transfers or cash advances. Your due date is at least 21 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 each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.
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:
Annual Fee
Set-up Fee
Maintenance Fee
Transaction Fees
Balance Transfer Fee
The greater of $5 or 3% of the amount transferred
Cash Advance Fee
The lessor of $30 or 4% of the amount advanced ($3 minimum)
Foreign Currency Transaction Fee
2% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee
Up to $30
Over-the-credit-limit Fee
Returned Payment Fee
Other Fees
Rushed Credit Card Fee
$70 per card
Expedited Payment Fee

How We Will Calculate Your Balance. We figure the interest charge on your Account by applying the applicable Periodic Rate to the “Balance Subject to Interest Rate” which is the “Average Daily Balance” of your Account for each feature category, including certain current transactions. Feature categories include purchases, balance transfers, cash advances and promotional balances. These calculations may combine different feature categories with the same “Daily Periodic Rates”. The “Average Daily Balance” for each feature category is arrived at by taking the beginning balance of such feature category each day and adding any new transactions to the balance. We then subtract any payments or credits and unpaid interest or other “Finance Charges” allocated to the feature category balance for the day. This gives us the daily balance for such feature category. The daily balances for such feature category are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance” for such feature category. The interest charge is determined by multiplying the “Average Daily Balance” by the number of days in the billing cycle and applying the periodic rate to the product. If your periodic rate is computed using an index, your periodic rate(s) may vary. The Payment Due Date will be no less than 21 days after we have sent you your current monthly statement.

Billing Error Rights. Please see Consumer VISA® Credit Card Agreement for details on billing error rights.

VISA® and the name Visa are federally registered trademarks of Visa.

* Subject to credit approval. For more information about any of our bank card products or services, please call 800-815-BANK.