Credit Cards

Our complete line of competitive rate credit cards make it easy to select the card that best fits your purchasing and payment needs.

Card Features:

Worldwide acceptance at more than 28 million locations
Free Internet Branch online account access
Travel Insurance for Platinum Cardholders: $250,000 Travel Accident Insurance and Auto Rental Insurance

Payment Options

	Visa Classic	Visa Platinum	Visa Celebrity
Annual Percentage Rate for Purchases	11.9% to 18%	9.9% to 18%	6.90% Fixed
Other APRs Cash Advances and Balance Transfers	11.9% to 18%	9.9% to 18%	6.9% to 18%
**Default Rate	18%	18%	18%
Penalty APR and When It Applies	This APR may be applied if you: 1) Make a payment that is 60 days late. How Long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Annual Fee	None
Transaction Fees - Balance Transfer - Cash Advance - Foreign Transaction Fee	None None 1%
Penalty Fees - Late Payment Fee - Returned Payment - Over-the-Credit-Limit	up to $15.00 up to $35.00 up to $10.00
Other Fees	None
Minimum Payment	2.5% of outstanding balance or $25, whichever is greater

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Download the Interest Rates and Charges here.

*Rate differential based on credit score. **Default rate effective if payment not received within 60 days of payment due date.