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1Subject to credit approval. $0 annual fee and preferential rate as long as you are part of the Wealth Management program. The APR is variable and may change. The APR applicable for purchases, balance transfers from other institutions and convenience checks is 10.99%. The APR applicable to cash advances is 18.24%. The APR will be determined by adding the value of the United States Prime Rate as published in The Wall Street Journal plus a margin. The APR will vary and depend on the prime rate applicable at the time your application is evaluated. Late payment charges up to $35. Returned check fee up to $10. Regular charge for cash advances, balance transfers and convenience checks: 2% of the amount: $2 minimum, $10 maximum. Grace period from 25 days for purchases. Balances is calculated based on the average daily balance (including new purchases).
2Subject to the terms and conditions of the Policy.
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