| Interest Rates and Interests Charges | |
|---|---|
|
Annual Percentage Rate (APR) for Purchases |
Premier Low Rate Visa: 6.90% to 14.50% |
| APR for Balance Transfers | Premier Low Rate Visa: 6.90% to 14.50% Premier Rewards Visa: 8.90% to 15.50% Traditional Visa: 9.90% to 15.90% Shared Secured Visa: 9.90% to 15.90% |
| APR for Cash Advances | Premier Low Rate Visa: 6.90% to 14.50% Premier Rewards Visa: 8.90% to 15.50% Traditional Visa: 9.90% to 15.90% Shared Secured Visa: 9.90% to 15.90% |
| Penalty APR and When it Applies | None. |
| Paying Interest |
Your due date is at least 21 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 balance transfers on the transaction date. |
| 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. |
Fees
- Annual Fee
- None
Transaction Fees
- Balance Transfer
- None
- Cash Advance
- None
- Foreign Transaction
- 1% of each transaction in U.S. dollars
Penalty Fees
- Late Payment
- Up to $20
- Returned Payment
- Up to $5
- Over the Credit Limit
- None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.
Loans Quoted are APR (Annual Percentage Rate). Rates and Terms are subject to change without notice.
Earn points for cash, travel, or gifts with the F&A Premier Rewards VISA.
To apply, log in to Online Banking, navigate to Accounts and select Loan Application. You can also call us at 800-222-1226 or visit one of our branches.
Rates effective as of November 8, 2024.
The signature of a co-signer who has attained the age of 21 and has a means to repay debts incurred in connection with the Account before the primary borrower has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Other restrictions may apply.
APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.
Rates are subject to change without notice.
