Credit Card Rates

Credit Card Rates and Important Disclosures

The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card is accurate as of the effective date of March 31, 2015. You can call Us at (818) 937-5300 or write Us at 340 Arden Ave Glendale, California 91203 to inquire if any changes have occurred since the effective date.


INTEREST RATE and INTEREST CHARGES
Annual Percentage Rate (APR) For Purchases Platinum VISA: 8.90% - 17.90% subject to Your creditworthiness
Checking VISA: 17.90%
Share Secured VISA: 8.90% - 17.90% subject to Your creditworthiness
APR For Balance Transfers Platinum VISA: 8.90% - 17.90% subject to Your creditworthiness
Checking VISA: 17.90%
Share Secured VISA: 8.90% - 17.90% subject to Your creditworthiness
APR For Cash Advances Platinum VISA: 8.90% - 17.90% subject to Your creditworthiness
Checking VISA: 17.90%
Share Secured VISA: 8.90% - 17.90% subject to Your creditworthiness
Penalty APR and when it Applies 17.90%
This APR may be applied if You:
      1) Make a late payment; or
      2) Make a payment that is returned unpaid

How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase.
How to Avoid Paying Interest On Purchases We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.
For 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 For Checking VISA, $50
Transaction Fees:
      • Cash Advance
      • Balance Transfer
      • Foreign Transaction

2.00% of each cash advance
2.00% of each cash transfer
1.00% of each foreign currency transaction in U.S. Dollars.
1.00% each U.S. Dollar transaction that occurs in a foreign country.
Penalty Fees:
      • Returned Payment
      • Late Payment

Up to $29.00
Up to $29.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."