Credit Card Rates and Terms




 
Mastercard Rates and Terms
Annual Percentage Rate (APR) for Purchases
13.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Balance Transfers 15.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Cash Advances
15.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each business cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We charge interest on cash advances and balance transfers from the transaction date.
Minimum Interest Charge $2
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 https://www.consumerfinance.gov/learnmore
Fees
Transaction features
  • *Balance Transfers
  • *Cash Advance
  • *Foreign Transactions
  • None
  • $10 or 2.00% of the amount of each cash advance, whichever is greater
  • 2% of each transaction U.S. dollar amount.
Penalty Fees
  • *Late Payment
  • *Return Payment
  • Up to $25
  • Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases).

 
**Benefits are available to personal checking accounts and their primary account owner, and their joint account owner(s), subject to the terms and conditions for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (fiduciary is not covered).