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Credit Card Access
To Access your credit card account anytime anywhere, 24 hours a day and 7 days a week, visit eZCardInfo.com

               

Credit Card Tips
For credit card tips from the Federal Reserve Board, visit the following website:
www.federalreserve.gov/creditcard

Visa Debit Cards and Credit Card FAQs


Credit Card and Personal Line of Credit

Interest Rates and Interest Charges Visa Credit Card Personal Line of Credit
Annual Percentage Rate (APR) for Purchases 9.99% Fixed 9.99% Fixed
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. Interest starts accumulating at the time the line of credit is used.
Minimum Interest Charge or Payment If you are charged interest, the charge will be no less than $1.50. Minimum payment is $20 or 2.0% of the outstanding balance.
APR for Balance Transfers 9.99% Fixed 9.99% Fixed
APR for Cash Advances 9.99% Fixed N/A 
Penalty APR and When it Applies  N/A N/A 
Fees Visa Credit Card Personal Line of Credit
Cash Advance Fee $10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance. N/A 
Foreign Transaction Fee 0.8% if there is no currency conversion or 1.0% if there is currency conversion. N/A 
Late Payment Fee Up to $25.00 Up to $18.00
Returned Payment Fee Up to $35.00 Up to $35.00
Other Fees N/A N/A
Annual Fee N/A N/A
Balance Transfer Fee N/A N/A 
Over-the-Credit-Limit Fee N/A N/A


 

 

   

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