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We now offer two cards; Classic VISA® and ScoreCardSM. 

Classic VISA®:

  • No annual fee
  • 13.90% fixed Annual Percentage Rate (APR)
  • Easy minimum monthly payments of only 4% or $20 whichever is larger
  • Cash advances at financial institutions nationwide


  • No annual fee
  • Annual Percentage Rate (APR) of 9.25%
  • Variable interest rate
  • Easy minimum monthly payments of only 4% or $20 whichever is larger
  • Earn travel points to fly with the major airlines AND valuable gifts!
  • Choose from a wide-variety of EXCITING, high-quality name brand merchandise, from gourmet cookware, electronics, tools and more!

Make payments at the bank, by mail, by automatic payment from your checking account at any bank, or pay online at

Credit Card Terms and Conditions:

Annual Percentage Rate (APR) for Purchases: Classic VISA® 13.90% 
ScoreCardSM 9.25%
Other Annual Percentage Rates (APR): Balance Transfers:
Classic VISA® 13.90%
ScoreCardSM 9.25%
  Cash Advances:
Classic VISA® 13.90%
ScoreCardSM 9.25%
Variable Rate Information: The annual percentage may vary. The rate is determined by the highest prime rate published in The Money & Investing Section of The Wall Street Journal on the third Monday of the prior month  "Index") plus 6.0 percentage points.
Grace Period for Repayment of the balance for purchases:

You have 25 days to repay your balance for purchases before a finance charge will be imposed (provided you have paid your previous balance in full by the due date).

Method for Computing the Balance for Purchases: Average daily balance (including new purchases)
International Transaction Fee for Purchases and Cash Advances: Up to a 1% fee of the transaction amount will be charged on transactions initiated from foreign countries.
Other fees: Late payment fee: $25.00
Cash advance transaction fee: 2% of cash advance amount with a minimum fee of $5.00
Foreign transaction fee: 1% of the amount of your transaction in U.S. Dollars