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Personal Visa Classic (No Fee)

 

Interest Rates and Interest Charges
Visa®
Annual Percentage Rate (APR) for Purchases
15.96%
(APR may vary with the market based on the Prime Rate)
APR for Balance Transfers
N/A
APR for Cash Advances
15.96%
(APR may vary with the market based on the Prime Rate)
Penalty APR and When it Applies

N/A

Paying Interest 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. We will begin charging interest on cash advances on the transaction date.  We do not offer balance transfers.
Minimum Interest Charge

None

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 http://www.consumer finance.gov/learnmore

 

Fees
Visa®
Annual Fee
None

Transaction Fees

  • Balance Transfer
  • Cash Advances
  • Foreign Transaction


 
 
None
None
1.0% of each multi-currency transaction in U.S. Dollars
 0.80% of each single currency transaction in U.S. Dollars
 

Penalty Fees 

  • Late Payment 
  • Over-the-Credit-Limit 
  • Returned Payment 


 
 
Up to $20.00
None
None
 
 

Other Fees

  • Lost/Damaged Fee 
  • Telephone Payment Fee

 

 
 
$20.00
$10.00 per occurrence if processed with a live reqresentative.  No charge if processed through the automated system
 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  An explanation of this method is provided in your credit card agreement. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card agreement. 
Others: The APR may increase with the market based on the prime rate.  The annual percentage rate may vary April 1 or October 1 of each year.  The prime rate used to determine your APR is the rate published in the Wall Street Journal on the 1st day of the prior month.  Variable rate determined by adding 16.00% to the Prime Rate.