Consumer

Visa Classic/MasterCard Standard 

These are our basic, no frills cards. They offer a very competitive interest rate, $15 annual fee, and a 0% introductory rate for the first 6 months. After the intro rate, the rate will become a variable rate of 9.20% which will vary with the market based on the Prime Rate. Even these "no frills cards" come with the following benefits:

• 0% introductory rate for 6 months
• $15 annual fee 
• 25 day grace period
• Zero liability on lost and stolen cards
• Accepted at over 29 million locations worldwide
• 24 hour customer service at 877-954-0190
• Balance Transfers - no fees to transfer; 0% rate if within first 4 months
• Automatic payment availability
• On-line account access
• Auto Rental collision damage waiver
• $150,000 travel accident insurance
• A CARD FROM YOUR OWN BANK
• The Products listed below include all the benefits listed above, as well as special benefits pertaining to their own product type. 

Applications available at all locations.

Visa Platinum

Merchandise, Cash Back, Airline tickets, merchant certificates, etc.
Customers are eligible for the "Visa Extras" program. Earn points for each dollar spent on qualified transactions. Points start to expire in 3 years. Customers can view rewards at http://www.visa.com/extras CUSTOMERS MUST REGISTER THEIR CARD AT VISA EXTRAS IN ORDER FOR POINTS TO START ACCUMULATING.

• $500,000 Travel Accident Insurance (instead of $150,000)

 

MasterCard Gold

• Cash back on all qualified purchases (not PIN transactions)
• $3000 to $6000 earns .5%, over $6000 earns 1%
• Funds accumulate January thru December. Credit card account will be credited in February of following year.
• Amounts of $15 or less will not be paid out.
• Purchase Assurance
• Auto Rental Collision Damage Waiver
• $500,000 Travel Accident Insurance (instead of $150,000)
• All benefits listed above under Visa Classic/MasterCard Standard.

Applications available at all locations.

 

• All benefits listed above under Visa Classic/MasterCard Standard.