A FIXED-rate credit card with no surprises...plus
             Easy payments with online transfers between accounts

Your rate is yours to keep or improve. Your rate won't change after you open your account, with one exception: it may improve. 

Rates are based on your earned rate lending score.  So, when  you improve your credit score, we'll improve your rate, within the range of rates offered.  Our member service representatives will explain your credit report and show you how to improve it. 

You won't find "other APRs" listed in our disclosure. This means

• a late payment won't cause your rate to skyrocket.
• a cash advance or balance transfer won't get charged a higher rate.
• balance transfers are free when arranged through our loan department. Use our online balance transfer form.
• if you carry a balance, finance charges are calculated on the average adjusted daily balance for ONE month, which keeps costs down.
  
  ONLINE PAYMENTS
  
• Pay your Visa quickly and on time with an easy online transfer - 24/7. Log on to your account with SESLOC Online Account Access (PIN required). Click the green "Transfer" button; then transfer funds from your checking or savings account to your Visa account. It's that easy!  (Do not use Bill Pay for your SESLOC Visa. This will delay your payment).
  

• View terms
• Read About Fraud Monitoring
• APPLY NOW
• 

  

Use our Credit Tools below to manage your credit card wisely.                top

 

Pay Down Credit Card Debt:	click  to Create a Pay Down Plan
Manage Credit Wisely:	click  for Interactive Credit Coach
Avoid Identity Theft and Fraud:	click  for Tips and Reporting Information
Protection for Online Purchases:	sign up for Verified by Visa

                                                                                                                        top

 

Annual Percentage Rate (APR)	Fixed Rates from 7.90% - 16.90% Your rate is based on your earned rate lending score
Daily Periodic Rate	.00021944% - .00046944%
Other APRs	none
Grace Period for Purchases	25 days
Method of computing balances for purchases	Average adjusted daily balance including new purchases
Annual Fee	none
Cash Advance Fee	1% of amount advanced
Late Payment Fee	5% of minimum payment or $5.00, whichever is greater
Overlimit Fee	$10