A Closer Look at Credit Card Disclosures Move your mouse to each dotted underline to learn more.

Credit Card Disclosure Information
Annual percentage rate (APR) for purchases 8.99%, 10.99%, or 12.99% introductory APR for one year based on your creditworthiness. After that, your APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
APR for balance transfer 15.99%. This APR will vary with the market based on the prime rate.
APR for cash advances Your cash APR may vary monthly. The rate will be determined by adding 14.99% to the U.S. prime rate.
Penalty APR and when it applies 28.99%. This APR will be applied to your account if you: 1. make a late payment, 2. go over the credit limit, 3. make a payment that is returned or, 4. do any of the above on another account that you have with us. How long will the penalty APR apply? If your APRs are increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due.
How to avoid paying interest on purchases 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.
Minimum interest charge If you are charged interest, the charge will be no less than $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 web site of the Federal Reserve Board at www.federalreserve.gov/creditcard
Fees
Set-up and Maintenance Fees
Annual fee $20
Account set-up fee $20 (one-time fee)
Participation fee $12 annually ($1 per month)
Additional card fee $5 (if applicable)
Transaction Fees
Balance transfer Either $5 or 3% of the amount of the transaction, whichever is greater (maximum fee: $100)
Cash advance Either $5 or 3% of the amount of each cash advance, whichever is greater
Foreign transaction 2% of each transaction in U.S. dollars
Penalty Fees
Late payment $29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000
Over-the credit limit $29. If the charges you've made to your credit card exceed the credit limit (that is, if your total credit card balance is more than the amount of your credit limit), credit card companies may charge you a fee.
Returned payment $35

How We Will Calculate Your Balance: We will use a method called "average daily balance" (including new purchases)."

Loss of Introductory APR: We may end our introductory APR and apply the Penalty APR if you become more than 60 days late in paying your bill.

The Credit Card Disclosure information was taken from the Federal Reserve website. For more information, visit www.federalreserve.gov/creditcard/# .