Our Hadley Branch remains closed as repairs continue, and an exact reopening date is not yet available. Check back frequently this week for updates. All other branches remain open as usual. Access your accounts anytime through online and mobile banking.
Low-Rate Platinum Visa® Credit Card Disclosures & Details
Disclosures
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score.
• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.
• Method of computing the balance for purchases: Average Daily Balance (excluding new purchases).
• Fees:
o $27.00 Late Fee
o $10.00 Card Replacement
o $20.00 Placed on Revoked List
o $5.00 Draft Copy
o 3% Balance Transfer Fee (min. $10.00)
o 3% Cash Advance Fee (min. $10.00)
o $5.00 Chargeback
o $27.00 Returned Payment Fee
• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $25,000, and 24-hour customer service support.