VISA® Platinum with Rewards

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.75% Fixed
APR for Balance Transfers	9.75% Fixed
APR for Cash Advances	9.75% 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 any interest on purchases and/or balance transfers if you pay your entire balance by the due date. We will begin charging interest on cash advances 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 http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	$25.00 Annual fee waived with deposit relationship.
Transaction Fees
• Balance Transfer	None
• Cash Advances	None
• Foreign Transaction	Up to 1%
Penalty Fees
• Late Payment	Up to $30.00
• Over-the-Credit Limit	None
• Returned Payment	Up to $30.00

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 account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.