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Rates

VISA Accounts

Interest Rates and Interest Charges
  Platinum Rewards Gold/Golden Owl* Classic Starter/Student
Annual Percentage Rate (APR) for Purchases 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
APR for Balance Transfers 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
APR for Cash Advances 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
Penalty APR and When it Applies None
Paying Interest 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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website at http://www.federalreserve.gov/creditcard.

 

Fees
Annual Fee None

Transactions Fees
   ~Balance Transfer
   ~Cash Advance
   ~Foreign


Either $5.00 or 2% of the amount of each transfer, whichever is greater.
Either $5.00 or 2% of the amount of each cash advance, whichever is greater.
Up to 1% of transaction amount in US dollars.

Penalty Fees
  ~Late Payment
  ~Returned
  ~Overlimit


Up to $15.00
$24.00
None

 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
*For Golden Owl: must be at least 62 years of age to qualify