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Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases and Cash Advances

9.9%* Rate

Grace Period for Purchases You have 25 days to repay your balance (for purchases) before a finance charge will be imposed.

Cash Advance

Finance charge accrues on cash advance as of the day the cash
advance is applied to the account.

Balance Calculation Method for Purchases

Average Daily Balance

Annual Fees

None

Minimum Finance Charge

$.50

Late Payment Fee  
 (After 10 days of due date )

$15.00

Over Credit Limit Fee

$15.00  
(When balance exceeds credit limit anytime during the month.)

Transaction Fee

None

Cash Advance Fees

None

Certain credit qualifications must be met to qualify for a Gold MasterCard and you must be eligible for a $2000.00 credit limit. 

If you do not qualify for a Gold MasterCard your application will be processed for a Premium Visa or MasterCard.

*If your payment is 31 days past due your Annual Percentage Rate (APR) will be changed to 11.9% APR. 


Premium MasterCard & Visa Fee Information

Annual Percentage Rate (APR) for Purchases and Cash Advances

11.9%  Rate

Grace Period for Purchases

You have 25 days to repay your balance (for purchases) before a finance charge will be imposed.

Cash Advance Finance charge accrues on cash advance as of the day the cash advance is applied to the account.

Balance Calculation Method for Purchases

Average Daily Balance

Annual Fees

None

Minimum Finance Charge

$.50

Late Payment Fee
 (After 10 days of due date)

$15.00

Over Credit Limit Fee

$15.00  
 (When balance exceeds credit limit anytime during the month.)

Transaction Fee

None

Cash Advance Fees

None


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