Credit Card Disclosure
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 17.90% fixed |
| APR for Balance Transfers | 17.90% fixed |
| APR for Cash Advances | 17.90% fixed |
| Penalty APR and When it Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date for Re-Payment of Balances for Purchase and Cash Advances is at least 25 days if full previous balance is paid by payment due date. |
| Minimum Interest Charge | None |
| For Credit Card 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 http://www.consumerfinance.gov/learnmore. |
| Fees | ||
|---|---|---|
| Annual Fee | None | |
| Transaction Fees | Balance Transfer | None |
| Cash Advances | 4.0% of the amount advanced, not to exceed $20.00. | |
| Foreign Transaction | None | |
| Penalty Fees | Late Payment | If the minimum required payment is not received within 10 days after the closing date subsequent to the payment due date, a late payment fee of 5.0% will be imposed, not exceeding $15.00. |
| Over-The-Credit Limit | None | |
| Balance Transfer | None | |
| Other Fees | Pay By Phone | $10.00 per request |
How We Will Calculate Your Balance: We will use a method called “average daily balance” (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
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