PRICING INFORMATION

INTEREST RATES AND INTEREST CHARGES

Purchase Annual Percentage Rate (APR)

13.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Balance Transfer APR

0% Intro APR for the first 15 billing cycles that your Account is open.

After that, 13.99% to 22.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a

Cash Advance APR

23.99%. This APR will vary with the market based on the Prime Rate.b

Overdraft Advance APR

23.99%. This APR will vary with the market based on the Prime Rate.b

Penalty APR and When It Applies

Up to 29.99%. This APR will vary with the market based on the Prime Rate.c

The Penalty APR may be applicable to your Account if you:

  • fail to make any Minimum Payment by the date and time due (late payment);
  • exceed your credit limit (if applicable); or
  • make a payment to us that is returned unpaid.

How Long Will the Penalty APR Apply: If your APRs are increased for any of these reasons, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 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. We will begin charging interest on balance transfers, cash advances, and overdraft advances on the transaction date.

Minimum Interest Charge

None

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 http://www.consumerfinance.gov/learnmore.

 

FEES

Annual Membership Fee

None

Transaction Fees

 

Balance Transfers

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advances

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transactions

3% of each transaction in U.S. dollars.

Penalty Fees

 

Late Payment

Up to $15 if the balance is less than $100; up to $25 if the balance is $100 to less than $250; up to $35 if the balance is $250 or more.

Over-the-Credit-Limit

None

Return Payment

Up to $35.

Return Check

None

Note: This account may not be eligible for balance transfers.

Loss of Intro APR: We will end your introductory APR if any required Minimum Payment is 60 days late, and apply the Penalty APR.

How We Will Calculate Your Balance: We use the daily balance method (including new transactions).

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 9/18/2014.

aWe add 10.74% to 19.74% to the Prime Rate to determine the Purchase/Balance Transfer APR.

bWe add 20.74% to the Prime Rate to determine the Cash Advance/Overdraft Advance APR.

cWe add up to 26.99% to the Prime Rate to determine the Penalty APR. Maximum APR 29.99%.