MasterCard® Credit Card Disclosure

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases

  • Onyx: 7.75%
  • Platinum: 11.90%  

Based on your credit worthiness and other factors.

APR for Balance Transfers*

  • Onyx: 7.75%
  • Platinum: 11.90%

APR for Cash Advances

  • Onyx: 7.75%
  • Platinum: 11.90%

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 interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about the factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.


Annual Fee

  • None
Transaction Fees
  • Free Balance Transfer 
  • Cash Advance - $1 per transaction for cash advances at an ATM
  • Foreign Transaction - 1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment - Up to $10
  • Returned Payment - Up to $20

How we calculate your balance:

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