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Important Credit Card Disclosures

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 9/1/2019 . You can contact us toll free at (800) 426-5241 or 2019 Grant St., Bettendorf, IA 52722 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for Purchases & Cash Advances9.88% - 17.88% depending on your credit history.
APR for Balance Transfers 
Paying Interest2.99% Introductory APR for six months.
After that, your Standard APR will be 9.88% - 17.88% depending on your credit history.
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
http://www.consumerfinance.gov/learnmore

 

 

FEES:

Fees to Open or Maintain your Account

  • Annual Fee:
  • Application Fee:

 

None

None

Transaction Fees

  • Balance Transfer:
  • Cash Advance:
  • Foreign Transaction:

 

 

 

 

None

None

1% of each transaction in U.S. dollars if the transaction involves a currency conversion

0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Penalty Fees

  • Late Payment:
  • Over-the-Credit Limit:
  • Returned Payment:

 

Up to $28.00 if your payment is late 10 days or more
None
Up to $28.00 if your payment is returned for any reason

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

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a
late payment.