Loans » VISA Credit Cards
Our cards have exceptional rates and benefits, including the same low rate
for making purchases and cash advances worldwide. Plus neither card has an annual
fee. If you currently hold a credit card from another financial institution, call
for details about transferring your balance and start saving with our low rates.
Use this link to access your Credit Card
Accounts online.
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VISA Gold Credit Card
No annual fee. Credit Limits starting at $5,000.00. Low Annual Percentage
Rate. Travel insurance, auto rental discounts and warranties make carrying the
Gold Card a real plus. Rate is 4% above the Prime Rate as published by the
Wall Street Journal, currently 9.99% APR.
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VISA Classic Credit Card
No annual fee. Easy access to ATM Networks. The Rate is currently 14.75% APR.
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VISA Credit Card Disclosure
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VISA Classic
$300 – $5,000 |
VISA Gold
$5,000 – $10,000 |
VISA Platinum
$10,000 – $25,000 |
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| Annual Percentage Rate For Purchases |
14.75% |
Your APR for purchases may vary. The rate is determined by adding 4.0% to the prime rate.* |
8.99% |
|
| Annual Percentage Rate For Cash Advances |
14.75% |
Your APR for cash advances may vary. The rate is determined by adding 4.0% to the prime rate.* |
8.99% |
|
Grace Period
For Purchases |
25 days from
statement
closing date |
25 days from
statement
closing date |
25 days from
statement
closing date |
|
Method For
Computing The
Balances For Purchases |
Average daily
balances (including
new purchases) |
Average daily
balances (including
new purchases) |
Average daily
balances (including
new purchases) |
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| Annual Fee |
NONE |
NONE |
NONE |
|
| Minimum Finance Charge |
NONE |
NONE |
NONE |
|
Transaction Fee For
Purchases And Cash
Advances |
NONE |
NONE |
NONE |
|
| Late Payment Fee |
$15 |
$15 |
$15 |
|
| Over The Credit Limit Fee |
$15 |
$15 |
$15 |
|
| Return Check Fee |
$25 |
$25 |
$25 |
|
| Inactivity Fee |
NONE |
NONE |
NONE |
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*The Prime Rate is published in The Wall Street Journal. Changes in the Prime Rate will cause changes in the Annual Percentage Rate (APR). Changes in the Annual Percentage Rate (APR) will occur on the first day of the billing cycle. Rates are subject to change monthly. The minimum rate is 9.99% and the maximum rate is 18%.
NOTICE TO CONSUMERS: This Disclosure is accurate as of May 2006 and is subject to change. For more information, call us at (419) 783-6500. |
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Verified By VISA
With Verified by VISA protection, you'll make online purchases the same way
you always have, with one exception. After you type and submit your payment information,
you'll be asked to confirm your password by participating Verified by VISA vendors.
Your password confirmation is the extra step that secures your account from fraudulent
and unauthorized use. Just go to www.visa.com/verified
today and take advantage of this new service from VISA.
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