Annual Percentage Rate (APR) for Purchases and Balance Transfers


Annual Percentage Rate (APR) for Cash Advances


Annual Fee


Paying Interest

Your due date is at least 25 days after the close of each billing cycle.  We do not charge you interest on purchases if you pay your entire balance the by the due date each month.  We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for using a credit card, visit the Web site of the Federal Reserve Board



Transaction Fees - Foreign Transaction Fee

1% of each multiple currency transaction or .80% of each single currency transaction in US Dollars.

Late Payment Fee

$10.00 if you are ten (10) days or more late

Returned Payment Fee


Statement Copy Fee


Document Copy Fee


Card Replacement Fee


Pay by Phone Fee




How We Will Calculate Your Balance? 

We use a method called "average daily balance (including new purchases)."  See your account Agreement for more details.


Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in you account Agreement.


Collection Costs

You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.


Periodic Rates

Purchase, Cash Advance, and Balance Transfer APR is 11.90%, which is a monthly periodic rate of 0.9917%.