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Credit Card Interest Rates, Charges and Fees

Mastercard® Secured Card Rate and Fee Information

Accurate as of: 03/28/2020

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers 17.75%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 25.75%.
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 30.74%
This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If your APRs are increased for this reason, 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 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
Annual Fee $39.00
Transaction Fees
Balance Transfer Either $10 or 3% of the amount of each transfer, whichever is greater.
Cash Advance and Convenience Checks Either $10 or 4% of the amount of each cash advance and convenience check, whichever is greater.
Foreign Transactions
International transaction fee 3% of the transaction amount in U.S. dollars.
Penalty Fees
Late Payment Up to $10.00
Returned Payment Up to $30.00

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

Expedited Card Production and Delivery: Upon request, we will rush your card and charge you a one-time fee of $28.50.

Research Charges: We will charge $20 per hour, $10.00 minimum per project and $1.00 per credit card statement.

All account terms are governed by the Credit Card Agreement.