This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.
Credit Card Fee Information:
Foreign Transaction Fee:
Balance Transfer Fee:
Visa Rewards: Receive special offers and discounts from participating merchants. Redeem for merchandise, travel, restaurants and more.
Must be an ESL FCU member. APR for Purchases, Cash Advances and Balance Transfers: 3.99% Introductory APR for six billing cycles following the account open date (rate available to new accounts only). After that, between 9.98% to 17.99% based on your creditworthiness (variable with Prime rate). Grace Period: At least 25 days after the close of each billing cycle; Card issuer will not charge you interest on Purchases if you pay the entire balance by the due date each month. There is no grace period for cash advance or balance transfer transactions; finance charges accrue from the date of the transaction. Late Payment Fee: Up to $25. Returned Payment Fee: Up to $25. Penalty APR: 18%; If your APRs are increased for the stated reason, the Penalty APR will be applied until the billing cycle after your past due status is corrected.
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