The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of April 1, 2022. You can contact us toll free at 1-800-845-1614 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

  Visa Signature Preferred No Frills Visa Platinum Secured Visa
Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash Advances 13.00%, 14.00%, 17.00%, or 17.90%,
depending on your credit history. This APR will vary with the market based on the Prime Rate.
9.00%, 10.00%, 13.00%, 15.00% or 17.00%,
depending on your credit history. This APR will vary with the market based on the Prime Rate.
17.90%
Penalty APR and When it Applies 17.90%
This APR may be applied to your account if you make a payment that is late 60 days or more.

How Long will the Penalty APR Apply?If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments. if we increase your APRs for any other reason, we may keep them at this higher level on new balances indefinitely.
Paying Interest Your due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when apply for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Fees to Open or Maintain your account
  • Annual Fee: None
  • Application Fee: None
Transaction Fees
  • Balance Transfer: None
  • Cash Advance: None
  • Foreign Transaction:Preferred No Frills Visa and Platinum Secured Visa: 1% of each transaction in U.S. dollars
    Visa Signature: None
Penalty Fees
  • Late Payment: Up to $35 if your payment is late.
  • Over-the-Credit Limit: None
  • Returned Payment: Up to $35 if your payment is returned for any reason.

How will we calculate Your Balance: We will use a method called “average daily balance (including new purchases)”. See your account agreement for more details.

Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment.

Fl1001783 04-2022
COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.