Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances or Balance Transfers

9.5% - 19.5%

when you open your account, based on your creditworthiness
Other APRs None
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 any interest on purchases if you pay your entire balance within 25 days of the closing date of the statement.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau.

Fees

Annual Fee None
Transaction Fees None
Foreign Transaction Fee 1% of transaction amount

Penalty Fees

Late Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.
Returned Payment Fee $25.00 or the amount of the require minimum payment, whichever is less.

Other Disclosures

Card Replacement Fee $5.00
Cash Advance Fee $10.00 for electronic cash advance (from online banking, ATM, mobile banking, etc.).
Cash Advance Fee $15.00 for any over-the-counter cash advance.

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.

Note: The information about the costs of the card described in this application is accurate as of January 1, 2017.

Contact Us: 410.663.2500