Visa Platinum Credit Card
Our Visa Platinum is a card with no surprises. Our card offers a fixed rate and no annual fee. Have the convenience of a credit card without the hassle of a high interest rate. Access your Visa line on our mobile app or through home branch to do an advance, make a payment, or look at transactions. Same day approvals in most instances.
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Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases |
0.00% Introductory APR for a period of six billing cycles.
After that, your APR will be 8.99% to 15.99%, based on your creditworthiness. |
| APR for Balance Transfers |
0.00% Introductory APR for a period of six billing cycles.
After that, your APR will be 8.99% to 15.99%, based on your creditworthiness. |
| APR for Cash Advances |
10.99% to 17.99%, based on your creditworthiness. |
| Penalty APR and When it Applies |
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 by the due date each month. |
| 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 http://www.consumerfinance.gov/learnmore. |
Transaction Fees
| Fee |
Amount |
| Balance Transfer Fee |
2.00% of the amount of each balance transfer |
| Cash Advance Fee |
2.00% of the amount of each cash advance |
| Foreign Transaction Fee |
2.00% of each transaction in U.S. dollars |
Penalty Fees
| Fee |
Amount |
| Late Payment Fee |
Up to $28.00 |
| Returned Payment Fee |
Up to $28.00 |
Other Fees & Disclosures
| Fee |
Amount |
| Late Payment Fee |
$28.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment |
| Balance Transfer Fee (Finance Charge) |
2.00% of each balance transfer |
| Cash Advance Fee (Finance Charge) |
2.00% of each cash advance |
| Returned Payment Fee |
$28.00 or the amount of the required minimum payment, whichever is less |
| Card Replacement Fee |
$10.00 |
| Document Copy Fee |
$2.00 |
| Emergency Card Replacement Fee |
$50.00 |
| PIN Replacement Fee |
$1.00 |
| Rush Fee |
$30.00 |
| Statement Copy Fee |
$2.00 |