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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

 

Download the complete Visa Credit Card Agreement and Disclosure »

 

Fees

Annual Fee  
- Annual Fee - Visa Platinum None
- Annual Fee - Visa Secured $25.00
- Annual Fee - Visa Classic $10.00
Transaction Fees  
- 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.
Penalty Fees  
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00

OTHER DISCLOSURES

Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Document Copy Fee $6.00
Rush Fee  $25.00/card or pin
PIN Replacement Fee $3.00
Card Replacement Fee $5.00
Emergency Advance Fee $30.00
Research Fee $35.00
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.