Onebanc Credit Cards

Building a successful financial plan takes the right resources.  That's why we work hard to provide you with quality financial services and products.  Like our convenient, flexible Visa Credit Cards.  They're accepted at thousands of locations worldwide for just about any type of purchase you can dream up.  And, unlike those big out-of-town institutions, our cards come with the personal, friendly service you've come to expect from us.  So, whatever your plans, choose the credit card that gives you all the value and buying power you need to get your projects off the drawing board.  Apply for yours today!

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    Visa Classic/Secured

    Visa Classic

    Interest Rates and Interest Charges

    Annual Percentage Rate (APR) for Purchases

    Prime Rate + 4.74%

    (7.74% to 15.74%)

    This APR will vary with the market based on the Prime Rate*

    APR for Balance Transfers

    Prime Rate + 4.74%

    (7.74% to 15.74%)

    This APR will vary with the market based upon the Prime Rate*

    Introductory Rate 0.00% until 6 months, after that Prime Rate + 4.74%

    APR for Cash Advances

    Prime Rate + 6.00%

    (9.00% to 15.99%)

    This APR will vary with the market based on the Prime Rate*

    Penalty APR and When it Applies

    None

    Paying interest

    Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on retail purchases cash advances and/or balance transfers on the transaction date.

    Minimum Interest Charge

    None

    For Credit Card Tips from the Consumer Financial Protectioni Bureau

    Visit http://www.consumerfinance.gov/learnmore

    Fees

    Annual Fee

    None

    Balance Transfer

    None

    Cash Advances

    None

    Foreign Transaction None
    Late Payment Up to $20.00
    Over-the-Credit Limit Up to $25.00
    Returned Payment Up to $25.00
    Other Fees None
    Visa Gold

    Visa Platinum

    Interest Rates and Interest Charges

    Annual Percentage Rate (APR) for Purchases

    Prime Rate + 3.74%

    (6.74% to 14.74%)

    This APR will vary with the market based on the Prime Rate*

    APR for Balance Transfers

    Prime Rate + 3.74%

    (6.74% to 14.74%)

    This APR will vary with the market based upon the Prime Rate*

    Introductory Rate 0.00% until 6 months, after that Prime+4.74%

    APR for Cash Advances

    Prime Rate + 5.00%

    (8.00% to 14.99%)

    This APR will vary with the market based on the Prime Rate*

    Penalty APR and When it Applies

    None

    Paying interest

    Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on retail purchases cash advances and/or balance transfers on the transaction date.

    Minimum Interest Charge

    None

    For Credit Card Tips from the Consumer Financial Protectioni Bureau

    Visit http://www.consumerfinance.gov/learnmore

    Fees

    Annual Fee

    None

    Balance Transfer

    None

    Cash Advances

    None

    Foreign Transaction None
    Late Payment Up to $20.00
    Over-the-Credit Limit Up to $25.00
    Returned Payment Up to $25.00
    Other Fees None

    Visa Classic/Visa Secured

    *The prime rate used to determine your APR is the rate published in the Wall Street Journal.Loss of introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.How We Will Calculate Your Balance: We use a methode called "average daily balance" (including new purchases).*An explanation of this method is provided in your account agreement.  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.  (1) Your Annual Percentage Rate (APR) may vary. For purchases and balance transfers, the APR, adjustable monthly upon any change in the index, is a variable rate based on the highest prime rate published in the Money Rates section of The Wall Street Journal ("Index") plus a margin of 4.74 percentage points for Visa Cards, currently 8.24% and rounded to the nearest hundredth divisibale by 12.  However, your APR will not be less than 7.74% or more than 15.74%. (2) The APR for Cash Advances for Visa Cards is based on the Index plus 6.00 percentage points, adjustable quarterly, with a 9% minimum and a 15.99% maximum.  Based on that formula, the current rate would be 9.5% for cards. (3) Late Charge: If the minimum required payment is not received within 15 days after the Closing Date subsequent to the payment Due Date, a late charge of $20.00 will be imposed. (4) Overlimit Fee: This fee is applied when a balance is 10% or more over limit. (5) A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement from the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement.  If you elect not to pay the entire new balance shown on your monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the statement closing date (but not on Credit purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the enture new balance is paid in full or until the date of payment if more than 25 days from the closing date.  The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle.  Each daily balance of Credit purchases is determined by subtracting from the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any payments as received and credits as posted to your account, but excluding any unpaid finance charges.  A finance charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as explained for Credit Purchases.  

    Visa Gold

    *The prime rate used to determine your APR is the rate published in the Wall Street Journal.Loss of introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.How We Will Calculate Your Balance: We use a methode called "average daily balance" (including new purchases).*An explanation of this method is provided in your account agreement.  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.  (1) Your Annual Percentage Rate (APR) may vary. For purchases and balance transfers, the APR, adjustable monthly upon any change in the index, is a variable rate based on the highest prime rate published in the Money Rates section of The Wall Street Journal ("Index") plus a margin of 3.74 percentage points for Visa Cards, currently 7.24% and rounded to the nearest hundredth divisibale by 12.  However, your APR will not be less than 6.74% or more than 14.74%. (2) The APR for Cash Advances for Visa Cards is based on the Index plus 5.00 percentage points, adjustable quarterly, with a 8% minimum and a 14.99% maximum.  Based on that formula, the current rate would be 8.5% for cards. (3) Late Charge: If the minimum required payment is not received within 15 days after the Closing Date subsequent to the payment Due Date, a late charge of $20.00 will be imposed. (4) Overlimit Fee: This fee is applied when a balance is 10% or more over limit. (5) A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement from the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement.  If you elect not to pay the entire new balance shown on your monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the statement closing date (but not on Credit purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the enture new balance is paid in full or until the date of payment if more than 25 days from the closing date.  The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle.  Each daily balance of Credit purchases is determined by subtracting from the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any payments as received and credits as posted to your account, but excluding any unpaid finance charges.  A finance charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as esplained for Credit Purchases.