| INTEREST RATES AND INTEREST CHARGES | |
| Purchase Annual Percentage Rate (APR) | 10.90% |
| Balance Transfer APR | 10.90% |
| Cash Advance APR | 10.90% |
| Penalty APR and When It Applies | None. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance by your billing due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
| Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| FEES | |
| Annual Fee | None. |
| Additional Card Fee | None. |
| Transaction Fees | |
| Balance Transfers | None. |
| Cash Advances | None. |
| Foreign Transactions | Up to 1% of each transaction in U.S. dollars |
| Penalty Fees | |
| Late Payment | The lesser of $10.00 or 10% of the unpaid payment will be assessed, but only if the loan payment is $5.00 or more. |
| Return Payment | Up to $20.00 |
| Over-the-Credit Limit | None. |
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” (See cardholder agreement for complete details.)
Effective Date: The information about the costs of the card described is accurate as of January 22, 2020. This information may have changed after that date. To find out what may have changed, write to us at 36 Park Avenue, Worcester, MA 01609 or call us at 508.754.9980.