PLATINUM SECURED CARD INFORMATION & DISCLOSURES
Platinum Secured Visa Credit Card
Building or rebuilding credit is key to securing a healthy financial future. Having a history of on-time payments will help your credit. A savings secured card allows you to borrow against your savings and build a positive payment history in the process.
- Savings Secured
- Check your balance and pay your bill through digital banking.
- No annual fees
| Interest Rates | Interest Charges |
|---|---|
| Annual Percentage Rate (APR) for Purchases When you open a VISA Platinum Secured account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate. | 20.50% |
| APR for Cash Advances & Balance Transfers When you open a VISA Platinum Secured account, the applicable APR is based on creditworthiness. After account opening, your APR will vary with the market based on the Prime Rate. | 20.50% |
Disclosures
Annual Fee
None
Transaction Fees
Cash Advance Fee: 2% of transaction with a minimum of $10
Foreign Transaction Fee: Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee: $25 per item
Returned Payment Fee: $25 per item
How to Avoid Paying Interest on Purchases
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
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.
How We Will Calculate Your Balance
We use a method called “average daily balance” (including new purchases).
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your VISA Credit Card Agreement.
We reserve the right to amend the VISA Credit Card Agreement as permitted by law.