Consumer Credit Cards



Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases and Balance Transfers  12.05% to 13.70% when you open your account, based on your creditworthiness and the credit limit requested or approved
After that, your APR will vary with the market based on the Prime Rate*
APR for Cash Advances 23.74%
This APR will vary with the market based on the Prime Rate.*
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 and Balance Transfers if you pay your entire balance by the due date each month.  We will begin charging interest on Cash Advances on the transaction date.  There is no grace period on Cash Advances.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.01.
For Credit Card Tips from Consumer Finance Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Finance Protection Bureau at 


Annual Fees  NONE
Transaction Fees
  • Balance Transfer
  • Cash Advances
  • Foreign Transaction
Up to $5.00 or 5.0% of the amount transferred, whichever is greater
$10.00 or 3.0% of the amount advanced, whichever is greater
1.0% of the purchase amount
Penalty Fees
  • Late Payment
  • Returned Payment
Up to $25.00
Up to $25.00
Other Fees
  • Expedited Delivery Fee
  • Pay By Phone Fee

How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions)."
*Prime Rate and Margin: The variable APR is based on the Prime Rate Index.  The Prime Rate Index used to determine your APR is the prime rate published in the Wall Street Journal on the 1st day of the prior month.  Your APR may change monthly.