Important Information on Rates, Fees and Other Costs
Interest Rates and Interest Charges Savings Secure Visa
Rates Effective as of: 10-04-2023
| Variable Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances | 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will 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 website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. |
Fees
| Annual Fee | $0 |
Transaction Fees
| Balance Transfer | 3% of the amount of each transaction |
| Cash Advance | 3% of the amount of each transaction |
| Foreign Transaction | Foreign Transaction: Visa International Service Assessment Fee Single Currency Transaction: 0.8% of transaction Multiple Currency Transaction: 1.0% of transaction |
Penalty Fees
Rates Effective as of: 10-04-2023
| Late Payment | $25 for the first violation, $30 for the next violation(s) during the next 6 billing cycles |
| Overlimit | $0 |
| Return Payment | $0 |
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
