Annual Percentage Rate (APR) for purchases
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10.99% variable*
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Other APRs
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Introductory Balance Transfer APR: 0.9% through six statement cycles after account opening; after that, remaining balance moves to standard rate in effect for purchases, currently 10.99% variable
Balance Transfer APR: 5.99% variable**
Cash Advance APR: 15.00% variable*
Default APR: 18% See explanation below***
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Variable Rate Information
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The following APRs may vary monthly based on Prime Rate:
Balance transfer APR equals the Prime Rate plus:
2.74% (A+ rating)
2.74% (A rating)
5.74% (B rating)
Cash Advance APR equals the Prime Rate plus:
11.75% (A+ rating)
11.75% (A rating)
14.00% (B rating)
14.00% (C rating)
Purchase APR equals the Prime Rate plus:
7.74% (A+ rating)
9.74% (A rating)
12.74% (B rating)
14.24% (C rating)
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Grace period for repayment of purchases balances
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Not less than 23 days
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Method of computing the balance for purchases
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Average Daily Balance, including current purchases
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Minimum Finance Charge Per Balance Category: $.50
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Balance transfer Fee:
Annual Fee:
Late Fee:
Inactive Fee
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None
None
$35
$15 Ŧ
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Cash Advance Fee
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3% of the advance ($5 min/$50 max. per advance)
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