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Important Credit Card Disclosures

The following disclosure represents important details concerning your Credit Card. The information about costs of the Card are accurate as of the effective date of April 1, 2017. You can call us at (540) 663-2181 or write us at P.O. Box 519, Dahlgren, Virginia 22448 to inquire if any changes have occurred since the effective date.

Interest Rate and Interest Charges:

Type of Interest Rate Interest Rate or Charges
Annual Percentage Rate (APR) For Purchases

VISA Preferred: 9.90%

VISA: 12.72%

Secured VISA: 9.72%

Annual Percentage Rate (APR) For Balance Transfers

VISA Preferred: 9.90%

VISA: 12.72%

Secured VISA: 9.72%

Annual Percentage Rate (APR) For Cash Advances

VISA Preferred: 9.90%

VISA: 12.72%

Secured VISA: 9.72%

How to Avoid Paying Interest on Purchases We will not charge you interest on purchases if you pay your entire balanced owed each month within 25 days of your statement closing 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.

Fees

Type of Fee(s) Fee

Transaction Fees

- Foreign Transaction

1.00% of each foreign currency transaction.

0.80% of each U.S dollar transaction.

Penalty Fees

- Late Payment

Up to $10.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your Account Agreement for details.