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Personal Credit Card

Purchase just about anything you can imagine. Get global buying power from your homegrown bank.


Interest Rates and Interest Charges Visa®
Annual Percentage Rate (APR) for Purchases 12.99% Fixed
APR for Balance Transfers 12.99% Fixed
APR for Cash Advances 12.99% Fixed
Penalty APR and When it Applies NONE
Paying Interest 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 each month.  We will begin charging interest on cash advances and/or balance transfers on the transaction date.
Minimum Interest Charge NONE
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
Fees Visa®
Annual Fee None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


  • 2.0% of the amount transferred
  • 2.0% of the amount advanced ($2.00 minimum)
  • 1.0% of each multi-currency transaction in U.S. Dollars or 0.80% of each single-currency transaction in U.S. Dollars

Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment


  • Up to $15.00
  • None
  • None

Other Fees

  • Telephone Payment


  • $10.00

How We Will Calculate Your Balance:  We use a method called "average daily balance" (including new purchases).  An explanation of this method is provided in your credit card agreement. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your credit card agreement.
Daily Periodic Rate: The daily periodic rate used to calculate interest for your account is 0.03559% which is calculated by dividing the APR by 365.