Annual Percentage Rate (APR) for Purchases
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Visa Classic and Visa Classic Secured 6.99%. The APR is Prime + 3.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.
Visa Rewards and Visa Rewards Secured 9.99%. The APR is Prime + 6.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.
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APR for Balance Transfers (“Fixed Rate for Life”)
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Visa Classic, Visa Classic Secured, Visa Rewards and Visa Rewards Secured 4.99%. This APR is subject to change without notice, but is a fixed rate for any transferred balances, until such time as the transferred balance is paid in full. The APR will be the rate in effect the business day the balance transfer request form is submitted. If the form is submitted after 6 pm, or on a non-business day, the APR will be the rate in effect the following business day.
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APR for Cash Advances
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Visa Classic and Visa Classic Secured 6.99%. The APR is Prime + 3.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.
Visa Rewards and Visa Rewards Secured 9.99%. The APR is Prime + 6.74%. The rate may vary monthly and is based on the highest Prime rate as published in the Wall Street Journal on the last day of each month, effective the following day.
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Penalty APR and When It Is Applicable
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Visa Classic and Visa Classic Secured None
Visa Rewards and Visa Rewards Secured None
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How to Avoid Paying Interest on Purchases
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Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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Credit Card Tips from the Federal Reserve Board
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To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board’s website at: federalreserve.gov/credit card
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