- Rates as low as 7.90%*
- Credit Lines starting at $500
- No Balance Transfer Fee
- No Cash Advance Fee
- No Annual Fee
- Several convenient payment options
- Digital Wallet
Visit our Financial Education Center and Learn how credit cards work, what features to look for, and how to manage a credit card responsibly.
Rates & Fees
|Visa Credit Card Disclosure|
|Annual Percentage Rate (APR) for Purchases, Cash Advance and Balance Transfer||Low Rate VISA® 7.90% - 13.90%|
|Grace Period for Purchases||25 Days|
|Estimated Payment||2% of Balance ($20 minimum)|
|Minimum Finance Charge||None|
|Transaction Fee for Purchases||None|
|Foreign Transaction Fee||Single Currency - 0.80%*
Multiple Currencies - 1.00%*
|Late Payment Fee||$25.00 **|
|Cash Advance Fee||None|
|Return Check Fee||$25|
* of transaction amount.
** if ten (10) or more days late.
|Low Rate Card||Rewards Card||Secured|
|Rates as low as 7.90%||Rates as low as 9.90%||Fixed Rate 14.90%|
|Credit Lines starting at $500||Credit Lines starting at $500||$500 - $1,000 Credit Limits|
|No Cash Advance Fee||No Cash Advance Fee||Build or repair credit|
|No Annual Fee||No Annual Fee||No Cash Advance Fee|
|No Balance Transfer Fee||No Balance Transfer Fee||No Annual Fee|
|1 point for every $2 purchased||Secured with your own funds to build your credit|
|Redeem rewards for cash, travel, gift cards and merchandise|
There are no monthly or annual fees on your Low Rate Visa. However, if your payments are not made on time, you may be subject to a late fee. Please refer to the Visa Agreement and Disclosure and Rate Schedule for additional details.
Interest will not be charged on purchases if you pay your entire balance by the due date each month. Balance transfers, convenience checks and cash advances will begin to accrue interest on the transaction date.
You have 10 days after your due date to make your payment before a late fee is applied.
You may request a balance transfer in Online Access under Services or by visiting your local branch.
You can request convenience checks in Online Access under Help Center/Make an Inquiry or by contacting us at 855-340-8767.
To activate your Visa Credit Card please call 855-340-8767.
To report a lost or stolen credit card please call 855-340-8767.