We understand what makes you tick. Come see what sets us apart from the rest.

Rates Effective: November 21, 2012

Visa® Rates

Visa® Platinum

APR On Purchases APR On Cash Advances Annual Fee
9.25% 14.90% $0.00

Visa® Classic

APR On Purchases APR On Cash Advances Annual Fee
14.50% - 16.50% 17.50% $10.00

Visa® Share Secured

APR On Purchases APR On Cash Advances Annual Fee
14.90% 18.00% $25.00

Other Fees

Fee Amount
Transaction fee for purchases $0.00
Balance transfer $0.00
Late Payment Up to $25.00
Visa PIN Replacement $3.00
Card replacement $5.00
Rush replacement card $25.00
Document copy $6.00
Research & Copy $25.00
Returned Payment Fee Up to $20.00
Emergency Advance on New Visa $30.00
Returned mail $5.00
Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars. 0.80% of each single currency transaction in U.S. dollars.

Download the complete Visa Credit Card Agreement and Disclosure »

How to Avoid Paying Interest on Purchases: 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 by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov.