The Penalty APR will apply if you make a late payment.
Credit Card Fee Information:
$0 min. - $50 max.
Foreign Transaction Fee:
Balance Transfer Fee:
3% ($5 min. - $50 max.)
Credit card offer is currently available online to residents of Hawaii, Guam and the CNMI. The Heritage Credit Card is a no frills credit card great for those just getting started with credit or those looking to consolidate higher interest rate balances. APR for Purchases: 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account. After that, the APR will be 16.24% for Personal cards and 11.24% for Private Banking Platinum cards. APR for Balance Transfers: 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening. After that, the APR will be 16.24% for Personal cards and 11.24% for Private Banking Platinum cards. These APRs will vary with the market based on the U.S. Prime Rate. Convenience Check and Over-the-Counter Cash Advance Fee: Either $5 or 3% of the amount of each check, whichever is greater (maximum fee $50). ATM Cash Advance Fee: Either $3 or 3% of the amount of each Cash Advance, whichever is greater (maximum fee $50). Over-the-Credit Limit Fee: Up to $15 (only if you opt-in). Returned Payment Fee: Up to $35. Foreign Transaction Fee: 2.5% of the U.S. dollar amount of any Purchase or Cash Advance made in a foreign currency. Penalty APR: 18%: the Penalty APR will apply until you have made six consecutive Minimum Payments when due.
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