Credit Cards

VISA® Rates and Conditions

Interest Rates and Interest Charges

 

VISA Platinum VISA Platinum Rewards VISA Signature VISA Share Secured
Annual Percentage Rate for Purchases 7.99% to 17.99%
based on your creditworthiness.		 9.49% to 17.99%
based on your creditworthiness.		 14.74%
this APR will vary with the market based on the Prime Rate.		 13.90%
APR for Balance Transfers 7.99% to 17.99%
when you open your account, based on your creditworthiness.		 9.49% to 17.99%
when you open your account, based on your creditworthiness.		 14.74%
this APR will vary with the market based on the Prime Rate.		 13.90%
APR for Cash Advances 7.99% to 17.99%
when you open your account, based on your creditworthiness.		 9.49% to 17.99%
when you open your account, based on your creditworthiness.		 14.74%
this APR will vary with the market based on the Prime Rate.		 13.90%
Penalty APR and When it Applies N/A N/A N/A N/A
How to Avoid Interest on Purchases 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. 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. 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. 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.
Minimum Interest Charge None None None None
For Credit Cards 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 www.consumerfinance.gov/learnmore.

Fees

Annual Fee None None None None
Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
  • None
  • None
  • 1% of U.S. Dollar Amount
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
  • $25 or 2.5% of outstanding balance, whichever is less ($10 minimum)
  • None
  • $23
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