Personal Credit Card

Add breathing room to your budget at rates that won’t break the bank. We offer two Mastercard® credit cards to fit your lifestyle.

Personal Credit Card Options

Interest Rates & Interest Charges	Classic Credit Card Apply Now	Scorecard Credit Card Apply Now
Annual Percentage Rate (APR) for Purchases	9.99% Fixed	Prime Rate¹ + 9.99% On 7/31/2023, Prime Rate + 9.99% 18.00%* *The APR will vary with the market based on the Prime Rate,¹but will not exceed the maximum rate of 18.00%.
How to Avoid Paying Interest on Purchases	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. We will begin charging interest on cash advances and balance transfers on the transaction date.	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. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge or Payment	If you are charged interest, the charge will be no less than $1.50.	If you are charged interest, the charge will be no less than $1.50.
APR for Balance Transfers	9.99% Fixed	Prime Rate¹ + 9.99% On 7/31/2023, Prime Rate + 9.99% 18.00%* *The APR will vary with the market based on the Prime Rate,¹but will not exceed the maximum rate of 18.00%.
APR for Cash Advances	9.99% Fixed	Prime Rate¹ + 9.99% On 7/31/2023, Prime Rate + 9.99% 18.00%* *The APR will vary with the market based on the Prime Rate,¹but will not exceed the maximum rate of 18.00%.
Penalty AR and When It Applies	N/A	N/A

Fees	Classic Credit Card	Scorecard Credit Card
Cash Advance Fee	$10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance	$10.00 or 5.0% of the amount advanced. Maximum fee of $50.00 per advance
Foreign Transaction Fee	Up to 1.1% of the transaction	Up to 1.1% of the transaction
Late Payment Fee	Up to $25.00	Up to $25.00
Returned Payment Fee	Up to $30.00	Up to $30.00
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

Mastercard Cardholder Core Credit Benefits:

Mastercard ID Theft Protection
Mastercard Global Service
Mastercard Airport Concierge^TM

For full details, check out the Guide to Benefits

Manage Your Card Online

See your current balance, make payments and more — 24/7! Manage your card online now through EzCard.

¹The prime rate used to determine your APR is the rate published in the Wall Street Journal on the last day of the prior month.

Personal Credit Card

Add breathing room to your budget at rates that won’t break the bank. We offer two Mastercard® credit cards to fit your lifestyle.

Personal Credit Card Options

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