Holiday Closure: Our corporate office, call center, and branches will be closed Monday, February 16, in observance of Presidents Day. We look forward to serving you during regularly scheduled hours on Tuesday, February 17.
| ANNUAL PERCENTAGE RATE (APR) for Purchases |
12.24 to 16.24 when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| Other APRs | Balance Transfer APR: 18% fixed Cash Advance APR: 18% fixed Penalty APR: 18% fixed¹ This APR may be applied to the entire balance on your account if you make a late payment |
| Variable Rate Information | APRs will vary. The APR for purchases will equal U.S. Prime Rate² plus a margin of either 5.99% or 9.99%, based on credit and other conditions. The maximum APR that can apply is 18% or the maximum permitted by law, whichever is greater. However, the APR will not go below 8% or 9.99% depending on credit qualification. |
| Grace Period for Repayment of Balances for Purchases | 25 days if total balance is paid in full by the payment due date on the billing statement; otherwise none. |
| Grace Period for Repayment of Balances for Cash Advances and Balance Transfers | None |
| Method of Computing the Balance for Purchases |
Average daily balance (including new purchases) |
| Annual Fee | $35 |
| Minimum Financial Charge | None |
| Balance Transfer Fee | $0 |
| Cash Advance Fee | 2% of each Cash Advance |
| Over-limit Fee | $15 when account balance exceeds the established credit limit by 10% or more. |
| Late Payment Fee | $25, when the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date. |
| Returned Check Fee | $28 |
| Card Replacement Fee | $5 |
| International Purchase, Credit Voucher and Cash Disbursement Fee | 1% per transaction |
| Pay-by-Phone Fee | $5 |
| To Report Lost or Stolen Cards 24/7, call (800) 449-7728. | |
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