Credit Cards

CONSUMER CREDIT CARD PROGRAMS
VISA Classic	VISA Platinum	MasterCard Gold	Flex Miles/Platinum VISA
Open for all qualifying applicants	Minimum Annual Income of $35,000 with a Minimum Credit Line of $5,000	Minimum Annual Income of $35,000 with a Minimum Credit Line of $5,000	Qualifications equal current Platinum requirements – If the applicant does not qualify for a Platinum we will review for Classic
Intro rate of 5.9% APR for the first 6 months	Intro rate of 5.9% APR for the first 6 months	Intro rate of 5.9% APR for the first 6 months	Intro rate of 5.9% APR for the first 6 months
Standard rate after into *APR: Prime + 7.9%**	Standard rate after into *APR: Prime + 7.9%**	Standard rate after into *APR: Prime + 7.9%**	Platinum Rate after intro: *APR: Prime + 3.9% Classic Rate after intro: APR: Prime* + 5.9%**
No Annual Fee	No Annual Fee	No Annual Fee	$35 Annual Fee
25 day Grace Period for purchases. No grace period for cash advances	25 day Grace Period for purchases. No grace period for cash advances	25 day Grace Period for purchases. No grace period for cash advances	25 day Grace Period for purchases. No grace period for cash advances
VISA Classic Benefits of rental car insurance	VISA Classic Benefits of rental car insurance	MasterCard Gold Benefits of rental car and travel insurance	Earn one point for each dollar spent up to 10,000 per month. Only 18,000 needed to redeem

When you choose one of our Flex Miles cards, in addition to a Preferred Rate on your card purchases, you will receive the following travel benefits**:

1,000 Bonus Miles just for opening your account
For every dollar you spend in purchases on your enrolled card, you’ll earn a matching Flex Miles point towards free air travel
No blackout dates or seat restrictions
Travel can be redeemed for as little 25,000 points for a round-trip ticket – up to a $350 value

**Only available on accounts with Individual Billing

Standard Fees for all Programs:
Late Fee: $29 Over-Limit Fee: $29 NSF Fee: $29 Pay-by-Phone: $10
Cash Advance Fee: 2% of the Cash Advance Amount, subject to a minimum of $2.

*After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Finance Charges on the Account. The Account will never have an APR over 21%.

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