Loans
For When You Need A Boost.
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Effective May 1, 2018
| Annual Percentage Rate for Purchases & Cash Advances | 11.9% - 14.00 FIXED rates based on credit worthiness |
| APR for Balance Transfers | 11.90% - 14.00 FIXED |
| To Avoid Paying Interest on Purchases | You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. |
| Method of Computing the Finance Charge on Purchases | Finance charge computed by applying the monthly periodic rate to the average daily balance of purchases. |
| Method of Computing the Finance Charge for Cash Advances | Finance charge computed by applying the monthly periodic rate to the average daily balance of cash advances. |
| Over the Limit Fee | $35.00 |
| Late Payment Fee | $35.00 |
| Annual Fee | None |
| Returned Payment Fee | $20.00 |
| Replacement Card Fee | $20.00 |
| Minimum Finance Charge | None |
| Balance Transfer Fee | $15.00 |
| Transaction Fee for Cash Advances | None |
| Foreign Transaction Fee | 1% of transaction Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be made in accordance with the operating regulations for international transactions established by Visa. |
| ATM Cash Advance | $1.50 |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board. |
Effective May 1, 2018
| Tasa Efectiva Annual (APR) para Compras y adelantos en effectivo | 11.90% - 14.00 Tasa FIJA tasas basadas en solvencia crediticia |
| APR para transferencias de saldos | 11.90% - 14.00 Tasa FIJA |
| Para Prevenir pagos de interes en sus compras intereses | Tendrá un minimo de 25 dias sin pago de intereses en las compras nuevas si el saldo se paga por completo cada mes antes de la fecha de vencimiento |
| Método para cálcular intereses por de las compras | Los intereses se calculan aplicando la tasa periódica mensual al saldo promedio diario de compras |
| Métodos para cálcular intereses por adelantos en efectivo | Los intereses se calculan aplicando la tasa periódica mensual al saldo promedio diario de adelantos en efectivo. |
| Cargo por exceder el Límite | $35.00 |
| Cargo por Pagos Atrasados | $35.00 |
| Cargo Anual | Ninguno |
| Cargo de Pago Devuelto | $20.00 |
| Cobro por reemplazo de tarjeta | $20.00 |
| Cargo Mínimo Financiero | Ninguno |
| Cargo por Transferencias de Saldo | $15.00 |
| Cargos por Adelantos en Efectivo | Ninguno |
| Tarifa por Transacción Extranjera | 1% de la transacción. Compras y adelantos en efectivo realizados en países extranjeros y en moneda extranjera serán cobradas en dólares estadounidenses. La tasa de conversión a dólares se realizará de acuerdo con las regulaciones para transacciones internacionales establecidas por Visa |
| Adelanto en efectivo en ATM (cajero automático) | $1.50 |
| Para obtener consejos sobre tarjetas de crédito de la Junta de la Reserva Federal | Para obtener más información sobre los factores a considerar al solicitar o utilizar una tarjeta de crédito, visite el sitio web de la Federal Reserve Board. |
