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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

FEES
Set-up And Maintenance Fees
Document Copy Fee $20 for each copy of a merchant draft.
Transaction Fees
Cash Advance & Balance Transfers None
Foreign Transactions 1% of the transaction amount.
Penalty Fees
Late Payment Up to $35.00 if your payment is received after the due date.
Returned Payment Up to $35.00 for each returned payment.

*Points are only earned on signature based transactions; PIN based transactions, cash advances and balance transfers do not qualify to earn points

**See VISA disclosure for cash advance and over the limit details on our rate page – click the "Check Rates" button above.

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)". See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

(1) Variable Rate. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make.