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 at least 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

                                                                                                                        top

 

Annual Percentage Rate (APR) for purchases		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
APR for Cash Advances		7.90% to 16.90%
APR for Balance Transfers		7.90% to 16.90%
How to Avoid paying Interest on Purchases		Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
Annual Fee		none
For Credit Card Tips from the Federal Reserve Board		To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
Cash Advance Fee		1.00% of the amount of each cash advance
Foreign Transaction Fee		1.00% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee		$15.00
Returned Payment Fee		$25.00
Overlimit Fee		None
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Effective Date. The information about the costs of the card described in this application is accurate as of July 1, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Late Payment Fee		$15.00 if you are 10 or more days late
Statement Copy Fee		$  2.00
Document Copy Fee		$15.00
Rush Fee		$10.00
PIN Replacement Fee		$10.00
Card Replacement Fee		$10.00