Visa Card Disclosure

Interest Rate and Interest Charges

Effective as of 12.19.2024

Card Type APR* ‡ **
Platinum 9.90%
Visa Gold 15.50%
Visa Classic 17.50%
Visa Secured 18.00%
Visa Student/Teen 17.50%

* Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on credit qualifications.
** Variable rate information: the annual percentage rate may vary each calendar quarter. The rate will be based on the Prime Rate published in The Wall Street Journal.
‡ Variable rate information: The rate will be based on the Prime Rate published in The Wall Street Journal plus 10% for Classic/Student/Teen Cardholders, plus 8% for Gold Cardholders. Rate change will take effect on your next billing cycle date. Visa Disclosure

Paying Interest

We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

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 Federal Reserve website at http://www.federalreserve.gov/creditcard/default.htm


Fees

Transaction Fees

  • Cash Advance — Either $20.00 or 4% of the amount of each cash advance, whichever is greater

  • Foreign Transactions — 2% of each transaction in U.S. Dollars

Penalty Fees

  • Late Payment — $25.00

  • Over-the-Credit-Limit — $25.00

  • Card Replacement — $10.00

  • Returned Payment — $25.00


Other Information

How will we calculate your balance?

We use a method called "Average Daily Balance (including new purchases)." See your account agreement for more details.

What are my billing rights?

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.