VISA® CREDIT CARD
Our Visa® Credit Card has a competitive fixed rate that applies to both purchases and cash advances, and we don’t charge a cash advance fee. Cards are accepted where the Visa® Credit Logo is displayed.
| ANNUAL PRECENTAGE RATE FOR PURCHASES: |
12.90% |
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| ANNUAL PRECENTAGE RATE FOR CASH ADVANCES: |
12.90% |
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| MINIMUM FINANCE CHARGE: |
None |
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| CREDIT LIMITS: |
Maximum credit line - $10,000 |
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Minimum credit line - $500 |
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| MONTHLY PAYMENTS: |
The minimum monthly payment will be the greater of 4% of the outstanding balance or $25 plus any over-limit payments and fees. |
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| GRACE PERIOD: |
The cardholder will have a period of 25 days from the billing date to pay the full balance owed without incurring a finance charge. |
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| ANNUAL FEE: |
None |
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| LATE PAYMENT: |
A $20 late payment fee will be imposed if payments are received after the grace period. |
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| OVER-THE-LIMIT FEE: |
A $20 fee will be imposed for exceeding the member's approved credit limit. |
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| CASH ADVANCE FEE: |
None |
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| BALANCE TRANSFER FEE: |
(Not applicable) |
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| BALANCE COMPUTATION METHOD (FOR PURCHASES AND CASH ADVANCES): |
If the account holder pays the previous balance in full, no finance charges are assessed with the exception of new cash advance activity. Finance charges are assessed on new cash advance activity from the transaction date, or the first day of the billing cycle whichever occurs later, through the statement closing date. However, no finance charges are assessed on the previous cash advance balance. If the account holder does not pay the previous balance in full, finance charges are assessed on the previous cash advance and retail purchase balances. |
REQUIRED DOCUMENTATION:
Verification of income:
- Employment Income – Most recent pay stub or recent W-2. If self-employed – Most recent Federal Income Tax Return
- Rental – Lease agreement
- Alimony or Child Support – Court Decree (if applicable)
- Pension or Investment – Check voucher or statement of account showing regular deposit.
More Information:
- REPORT a Lost or Stolen Visa® Credit Card, please call 1-800-299-9842
- APPLY for a Visa® Credit Card
- ENROLL in 24/7 online access to your Visa® account
- ENROLL Online for "Verified By Visa" and reduce internet fraud
- VIEW our Current Visa Rates
