Effective: October 13, 2022
Information contained in this Credit Disclosure is accurate as of this date and is subject to change thereafter. Prime Rate is based on the Prime Rate as published on the second Thursday of the prior month in the Wall Street Journal. To obtain more recent information, please call us at 812-855-7823 or toll free at 888-855-6928.
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for purchases | 1.99%
Introductory Rate for 12 months from the card open date. After that, the APR will be:
15.25% - 25.25% This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers | 1.99% Introductory Rate for 12 months from the first qualified balance transfer completed within 12 months of the card open date. After that, the APR will be 15.25% - 25.25%. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances | 15.25% - 25.25% This APR will vary with the market based on the Prime Rate. |
| 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 | If you are charged periodic 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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees | |
Annual Fee |
None |
Transaction Fees Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee ATM Fee |
None None Up to 1.0% of each transaction in U.S. dollars $0.50 |
Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee |
Up to $17 None Up to $25 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
| Other Fees: | |
| Replacement Card | None |
| Statement Copy | $3 per statement |
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