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


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.


Credit Card Disclosure PDF