Visa Signature® Credit Card — Rates and Terms

See the rates and terms associated with your FAIRWINDS Visa Signature® Credit Card.

Checklist 3D illustration.
Interest Rates and Interest Charges
APR* for Purchases18.00%
APR for Balance Transfers18.00%
APR for Cash Advances18.00%
Penalty APRNone
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. We will begin charging interest on balance transfers and cash advances on the transaction date.

Minimum Interest ChargeNone
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Set-up and Maintenance Fees
Application FeesNone
Annual Fees$95; each additional cardholder: $75 per year.
Transaction Fees
Balance Transfer3.00% of the amount of each balance transfer, $5 minimum.
Cash Advance4.00% of the amount of each cash advance, $10 minimum.
Foreign TransactionNone
Penalty Fees
Late PaymentUp to $35
Returned PaymentUp to $30
Over-the-Credit LimitNone
How We Will Calculate Your Balance 

We will use a method called "average daily balance (including new purchases)."

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.