FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Credit Cards
Visa® Platinum
from United Bank
Competitive Rates
Zero Fraud Liability
24/7 Customer Service in the U.S.
Interest Rates & Fees Summary
- Purchase APR
- 9.75%†
- Balance Transfer APR
- 9.75%†
- Annual Fee
- $25 (waived with deposit relationship)†
| Purchase APR | Balance Transfer APR | Annual Fee |
| 9.75%† | 9.75%† | $25 (waived with deposit relationship)† |
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
Additional Product Features
- Online account information
Important Disclosures
| 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.