Credit Cards

VISA® Credit CardsEffective February 1, 2014
APR2 Annual Fees
Platinum 8.99% - 18.99%1 None
Platinum Share Secured 8.99% - 18.99%1 None
Young Adult 14.40% None
1Based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
2APR = Annual Percentage Rate
3Current Prime Rate Plus 1%

How to Avoid Paying Interest on Purchases
There is no finance charge on purchases if you pay the entire new balance shown on your statement for the previous billing cycle within 25 days from the closing date of that statement. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Otherwise, a finance charge will be imposed on the unpaid average daily balance from previous statement date.
Method of Computing Balances
Average Daily Balance Method, including current transactions.
Applicable Fees
  • Late Payment: $10.00
  • Balance Transfer/Cash Advance: None
  • Over-the-Credit-Limit: None
  • Returned Payment: $25.00
Foreign Transaction Fees
  • 1% of each transaction in US dollars (transaction made in foreign currency)
  • 0.8% of each transaction in US dollars (transactions made in foreign currency, billed in US dollars)