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Personal Bank Cards

Flexible and Convenient

VISA® Platinum Low Rate*

Low rate, no annual fee, and plenty of helpful features.

Our VISA® Platinum Low Rate card has no annual fee and provides our lowest interest rate*.

VISA® Benefits for this card include auto rental collision damage waiver, Roadside Dispatch®, cell phone protection, travel accident insurance up to $250,000, and extended warranty benefits. For full details, you can review the Platinum Low Rate, Platinum Rewards VISA® Benefit Guide.

Each of our cards includes a Card Valet® app for convenience and greater peace of mind. This service allows you to temporarily freeze your card for added security, set spending limits, and set geographical boundaries for your card. Learn more about Card Valet.

Access your card online by clicking the “credit card login” tab at the top of our website. From here you can check your account balance, make payments, and download and view statements.

*Subject to credit approval

visa card - platinum low rate

Or click here to download a pdf application

VISA® Credit Card Interest Rates & Charges

No Rewards
Annual Percentage Rate (“APR”) for Purchases and Balance Transfers 13.00%
This APR will vary with the market based on the Prime Rate.a
APR for Cash Advances 20.00%
This APR will vary with the market based on the Prime Rate.b
Penalty APR and When it Applies n/a
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.

CREDIT 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:

Credit Card Fees
Annual Fee None
Set-Up Fee, Maintenance Fee None
Transaction Fees
Balance Transfer Fee The greater of $5 or 3% of the amount transferred
Cash Advance Fee The greater of $10 or 4% of the amount advanced
Foreign Currency
Transaction Fee
2% of each transaction will be charged in U.S. dollars.
Penalty Fees
Late Payment Fee Up to $30
Over-the-Credit-Limit Fee None
Returned Payment Fee $25
Other Fees
Rushed Credit Card Fee $70 per card
Expedited Payment Fee $10

a We add 8.00% to the Prime Rate to determine the Purchase and Balance Transfer APRs.

b We add 15.00% to the Prime Rate to determine the Cash Advance APR.

How We Will Calculate Your Credit Card Balance: We use the average daily balance method (including new purchases). An explanation of this method is provided with your card agreement.

Billing Error Rights: Please see your card agreement for details on billing error rights.

Prime Rate: Variable APRs are based on the Prime Rate which is currently 5.00% as of 9/19/2019.

VISA®, the name VISA, and Roadside Dispatch are registered trademarks of Visa.

Card Valet is a registered trademarks of Fiserv, Inc.

Or click here to download a pdf application