Visa Credit Card Rates
IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION: The information provided in this disclosure is accurate as of October 1, 2024. The information may have changed after that date. To find out what may have changed call us toll free at 1-855-436-4100 or (240) 436-4000 or write to us at 5210 Chairman’s Ct., Frederick, MD 21703. Before we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the cardholder disclosure which will be sent to you with the new card(s).
Annual Percentage Rates (APR) for Purchases
Platinum Visa – 9.40% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Share Secured Visa – 10.40% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Premier Visa – 14.65% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rates (APR) for Balance Transfers
Platinum Visa – 0% to 3.99% Introductory APR on balance transfers posted within the first 6 months of account opening. Introductory rate is valid for 12 months from the date of transaction and will convert to the standard cash advance rate on any balance remaining after the introductory APR period. Introductory APR is based on your creditworthiness when you open your account.
Share Secured Visa – 10.40% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Premier Visa – 14.65% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Annual Percentage Rates (APR) for Cash Advances
Platinum Visa – 9.40% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Share Secured Visa – 10.40% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Premier Visa – 14.65% to 18.00% Based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
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 interest on purchases if you pay your entire balance by the due date each month.
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: http://www.consumerfinance.gov/learnmore
| Name | Fee |
|---|---|
| Annual Fee | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advances | None |
| Foreign Transaction Fee | 1% of each transaction in U.S. Dollars |
| Penalty Fees | |
| Late Payment | Up to $35 |
| Returned Payment | Up to $30 |
| 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. | |
| Maintenance Fees | |
| Statement Photocopies | $5.00 per statement |
| Card Replacement Fee | $10.00 |
| Rush Plastics Fee | $30.00 within the US, fees outside the US will be based on Fed-Ex international rates. |
| APR = Annual Percentage Rate | |