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Interest Rates and Interest Charges Details

Annual Percentage Rate (APR) for Purchases

Platinum Visa 13.90%

Platinum Preferred Visa 11.90% 

Share Secured  Visa 17.95% 

Annual Percentage Rate (APR) for Balance Transfers

Platinum Visa 13.90% 

Platinum Preferred Visa 11.90%

Share Secured Visa 17.95% 

Annual Percentage Rate (APR) for Cash Advances

Platinum Visa 13.90% 

Platinum Preferred Visa 11.90%

Share Secured Visa 17.95% 

Penalty APR and When It Applies

Platinum Visa - None

Platinum Preferred Visa - None

Share Secured Visa - None

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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

None

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 website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/
Fees Details

Annual Fee

None

Transaction Fees

Balance Transfer: None

Cash Advance: None

Foreign Transaction: 1% of each transaction in U.S. dollars.

Penalty Fees

Late Payment: $25

Over-the-Credit Limit: None

Returned Payment: $25

How we calculate your balance: We use a method called “average daily balance” (including new purchases).” See your Credit Card Agreement and Disclosure for more details.

Billing Rights: Information on your rights to dispute transaction and how to exercise those rights is provided in your Credit Card Agreement and Disclosures.

Availability of Terms:  All of the terms described are subject to change.  If these terms change (other than the annual percentage rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us or anyone else in connection with your application.

Visa Credit Card Agreement

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