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VISARates |
Apply For A Horizon Visa Card
| Interest Rates and Interest Charges | |
|---|---|
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Annual Percentage Rate (APR) for Purchases and Cash Advances
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8.90 – 17.50% when you open your account. After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the visa card that you select.
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Penalty APR and when it applies
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18.00% This APR may be applied to your account if we do not receive any minimum monthly payment within 60 days after it is due. |
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How to Avoid Paying Interest on Purchases
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Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. There is no grace period for cash advances. |
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For Credit Card Tips from the Federal Reserve Board
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To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at www.federalreserve.gov/creditcard |
| Fees | |
|---|---|
| Annual Fee | |
| Classic | None |
| Extra Awards Platinum | None |
| Platinum | None |
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Transaction Fees
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| Cash Advance | 3% of advance amount, minimum $3.00 |
| Foreign Transaction | 1% of the US dollar amount of the foreign transaction |
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Penalty Fees
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| Late Payment | 5% of payment, minimum $15.00 |
| Card Replacement | $6.00 |
| Lost/Stolen | $10.00 |
| Returned Payment | $15.00 |
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How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account opening disclosure for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. VISA rates and fees current as of 04-12-13 . Subject to change without notice. We reserve the right to amend the Visa Credit Card Agreement as permitted by law. Please call 800-582-5316. |
Home Banking Enrollment
Enrolling in Home Banking is easy - here's how:
- In the Username box, enter your user name.
- If you don't remember your password, you can call our contact center at 800-852-5316 and they will provide you with a new one.
If you have any questions or problems logging in, please call 800.852.5316.
