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Visa Credit Cards



Our Visa Credit Card has low interest rates and no annual fee.  Members may take up to 25 days interest-free to pay the balance of purchases in full before interest charges begin.  Cash Advance at 3% lower than the rate for credit card purchases with no cash advance fee!



Visa Disclosure

Our Visa Credit Card has low interest rates and no annual fee.  Members may take up to 25 days interest-free to pay the balance of purchases in full before interest charges begin.  Cash Advance isat 3% lower than the rate for credit card purchases with no cash advance fee!

 

All fees are subject to change at any time, with proper advance notice


Interest Rates and Interest Charges


Annual Percentage Rate (APR)
for Purchases Basic 18.00%
Classic 14.90%
Premier 11.90%

APR for Cash Advances Basic 18.00%
Classic 12.90%
Premier 8.90%

Penalty APR and When it Applies 18.00%

How Long Will the Penalty Rate Apply?  This APR maybe applied to your account if you become two (2) billing cycles past due.

 

How Long Will the Penalty Rate Apply?  If your APRs are increased for this reason, the Penalty APR will apply untilyou make six consecutive minimum payments by the payment due date.

 
 

How to Avoid Paying Interest on Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  
Purchases

Method of Computing the Balance Average Daily Balance (Excluding new purchases)
for Purchases

Fees
Annual Fee $0
Minimum Finance Charge $0
Purchases $0
Cash Advances $0
Balance Transfers $0

Penalty Fees
Late Payment $10
Over-the-Credit Limit Fee $10
Returned Payment $15