Credit Card Access Credit Card Tips |
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 | N/A | N/A |
| APR for Cash Advances | N/A | 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 $17.00 | |
| 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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