Our Hadley Branch remains closed as repairs continue. An exact reopening date is not yet available. The drive-up Smart ATM remains open for deposits and loan payments, but please use caution as traffic patterns may shift during construction. Check our website or social media next week for updates. All other branches remain open as usual. Access your accounts anytime through online and mobile banking.
Rewards Visa® Signature Credit Card Details & Disclosures
| The current prime rate is: 7.00%. Rates effective as of October 5, 2026. Rates subject to change at any time. |
Disclosures
• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%, 10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%).
• Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.
• You have 25 days to repay your balance for purchases in full by the payment date on your periodic billing statement.
• Method of computing the balance for Purchases: Average Daily Balance (excluding new purchases).
• Fees:
o $27.00 Late Fee
o $10.00 Card Replacement
o $20.00 Placed on Revoked List
o $5.00 Draft Copy
o 3% Balance Transfer Fee (min. $30.00)
o 3% Cash Advance Fee (min. $10.00)
o $5.00 Chargeback
o $27.00 Returned Payment Fee
• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There are no default rates, limits as high as $50,000, and 24-hour customer service support.
• See Visa Signature Rewards terms & conditions for a summary of coverage for Lost Luggage Reimbursement.
Details
Our Signature Rewards Visa cards all come with a special benefits package including:
• Travel and Emergency Assistance Services
• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Lost Luggage Reimbursement
• Concierge Services