A FIXED-Rate Credit Card with No Surprises.
             Your rate is yours to keep or improve.

Rate is based on your earned rate lending score.  So, if you don't get our best rate, we'll show you how to improve your rate by improving your credit score.

More Advantages:

• a late payment won't cause your rate to skyrocket.
• a cash advance or balance transfer is charged the same low rate.
• balance transfers are free when arranged through our loan department. Use our online balance transfer form.
• enjoy a 25 day grace period for purchases
  
• 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, with your SESLOC eBranch Account Access PIN.
  

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

  

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

  Tools to Help You Manage Credit Wisely

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

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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