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VISA Credit Card Disclosure
Updated 9/1/12

Annual Percentage Rate (APR) for purchases 6.99%, 12.9% or 16.99% based on your creditworthiness when you open your account.
Annual Percentage Rate (APR) for cash advances 6.99%, 12.9% or 16.99% based on your creditworthiness at account opening.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Board at http://www.consumerfinance.gov/learnmore .

Fees
Annual Fee None.
Fee for Foreign Purchases 1% Currency Conversion Fee
Balance Transfer Fee None.
Late Payment Fee $20.00
Returned Payment Fee $30.00
Returned ACH Payment Fee $30.00
Auto Pay Return Fee $30.00
Cash Advance Fee (ATM) $1.00 for each Cash Advance obtained at an ATM
Statement Copy Fee (additional copy) $2.00
Draft Copy Fee $9.00 original / $5.00 photocopy

Full Disclosure

How we will Calculate your Balance: We use a method called "average daily balance (including a new purchases)". See your Account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise thos rights is provided in your Account Agreement.

Optional Voluntary Payment Protection: Enrollment forms are available.

Important Information - Please Read
  • You must be at least 18 years old to qualify.
  • No applicant will be denied credit on account of race, color, religion, national origin, sex, marital status, or age.
  • If approved, you will receive a Visa Credit Card Account Agreement. By using the Visa Credit Card, you agree to be bound to the terms of the Account Agreement.


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