Rates


Loan Rates       Savings Rates       Term Share/CD Rates       Visa Rates and Fees      

Effective as of: February 1, 2015

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases12.90% Regular VISA
APR for Cash Advances and Balance Transfers12.90% Regular VISA
How to Avoid Paying Interest on PurchasesYour grace period due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Federal ReserveTo learn more about factors to consider when applying for or using a credit card, visit the website for the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

FEES

Annual FeeNone
Transaction Fee
Cash Advance Fee
None
Penalty Fees
Late Payment Fee$25
Return Check Charge$30
Re-instatement Fee$30
Other Fees
Foreign Transaction FeeUp to 1% of the US dollar amount of the foreign transaction.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are current as of February 1, 2015.
How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).