Preferred Cash Back Visa® Credit Card — Rates and Terms
See the rates and terms associated with your Preferred FAIRWINDS Cash Back Visa® Credit Card.
| Interest Rates and Interest Charges | |
|---|---|
| ANNUAL PERCENTAGE RATE (APR) for Purchases | 0.00% introductory APR for the first 12 months from date of account opening. After that, your APR will be 15.49% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 0.00% introductory APR for the first 12 months from date of account opening. After that, your APR will be 15.49% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 18.00% This APR will vary with the market based on the Prime Rate. |
| Penalty APR | None |
| 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 | None |
| 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 athttp://www.consumerfinance.gov/learnmore |
| Fees | |
| Set-up and Maintenance Fees | |
| Application Fees | None |
| Annual Fees | None |
| Transaction Fees | |
| Balance Transfer | None |
| Cash Advance | 4.00% of the amount of each cash advance, $10 minimum. |
| Foreign Transaction | None |
| Penalty Fees | |
| Late Payment | Up to $25 for first violation, up to $35 for each additional violation during any six consecutive billing cycles. |
| Returned Payment | Up to $25 for first violation, up to $30 for each additional violation during any six consecutive billing cycles. |
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 your introductory APR if you make a late payment.
Billing Rights
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.