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Interest Rates and Interest Charges Visa® and MasterCard®
Annual Percentage Rate (APR) for Purchases 15.48%
Fixed
APR for Check Transactions 15.48%
Fixed
APR for Cash Advances 15.48%
Fixed
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 interest on retail purchases or check transactions if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date. We do not offer balance transfers.
Minimum Interest Charge None
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 web site of the Federal Reserves Board at http://www.federalreserve.gov/creditcard.
Fees Visa® and MasterCard®
Annual Fee None
Transaction Fees
  • Check Transactions
  • Cash Advances
  • Foreign Transaction
 
  • None
  • 2.0% of the amount advanced - $10 maximum
  • 1.0% for foreign conversion & .8% when currency conversion does not occur
Penalty Fees
  • Late Payment
  • Over-the-Credit-Limit
  • Returned Payment
 
  • Up to $18.00
  • None
  • Up to $20.00
Other Fees
  • Replacement Card Fee
 
  • $20.00

How We Will Calculate Your Balance: We use a method called "average daily balance" (excluding new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal laws require all financial institutions to obtain, verify and record information that identifies each person who opens an Account. What this means to you: When you open an Account, we will ask for your name, address, date of birth, and other informaiton that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

  • Account Type *
  • Check Card Choice *

Applicant Information

  • (if different from above)
  • (if less than 2 years at present address)
  • Self-Employed *
  • (If less than 2 years at present employer)
  • Income from alimony, child support or separate maintenance need not be revealed if it is not considered in determining creditworthiness
  • (Not Living With You)

Co-Applicant Information

  • Home Information *
  • (if less than 2 years at present address)
  • Self-Employed *

Credit Information

Signatures

PLEASE READ THE FOLLOWING CAREFULLY BEFORE SIGNING: This statement is submitted to obtain credit and I/We certify that all information herein is true and complete. I/We agree that inquiries may be made to verify information and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credit policies of this institution. I/We agree to be bound by the terms and conditions of the cardholder agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant's use. If you intend to apply for joint credit, the undersigned shall be jointly and severally liable for any and all credit extended from time to time. We may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.