Penalty APR and When it Applies
21.90% This APR may be applied to your account if you
- Make a late payment
- Make a payment that is returned.
How long will the Penalty APR apply?
If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
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. We will begin charging interest on cash advances and balance transfers as of the transaction date.
For Credit Card tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore .
$15 or the current minimum payment amount, whichever is less.
Up to $10.
Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."