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Variable Percentage Rate
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Your Annual Percentage Rate may vary quarterly. The rate will be the New York Prime Rate as reported in The Wall Street Journal on the 1st business day of January, April, July, and October, plus 3.5%.
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Free Period or Grace Period
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No finance or service charge will be assessed on purchases of goods or services if we receive payment in full within 25 days of the closing date of the prior billing period. On cash advances finance charges are assessed from the day the cash advance posts to your account until the day we receive payment in full.
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Annual Fee
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None.
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Finance Charge Calcution Method
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Average Daily Balance method, including new purchases.
$ .50 Minimum Finance Charge.
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Other Fees
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Returned Check Fee $20.00
Over Limit Fee $15.00
Late Fee $15.00
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Cash Advance
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2% of Advance
$10.00 Maximum
$1.00 Minimum
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