Credit card interest rate report ... quarter ending ...

              Arizona State Banking Department
2910 N. 44TH Street, Suite 310
Phoenix, AZ 85018
Telephone (602) 255-4421 Telefax (602) 381-1225
Credit Card Interest Rate Report
First Quarter Ending
September 30, 2004
Richard C. Houseworth
Superintendent of Banks
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa No Grace Period Prime + 7.9% None $25.00 None 3% of balance
Visa With Grace Period Prime + 7.9% $40.00 $25.00 25 3% of balance
Prime + 7.9% $40.00 $25.00 25 3% of balance
MasterCard/Visa Platinum
Flex Miles
9.9% (5.9% for first six
months) $35.00 $25.00 25 3% of balance
MasterCard/Visa Classic Flex
Miles
11.9% (5% for first six
months) $35.00 $25.00 25 3% of balance
MasterCard/Visa Non-Mileage 13.9% (5.9% for first six
months) None $25.00 25 3% of balance
Visa Platinum Prime + 6.9% (Fixed
5.9% for first six months)
$40.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2% or $10.00 min.
Visa Classic
Prime + 7.9% (Fixed
5.9% for first six
months.)
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2% or $10.00 min.
Visa Platinum Travel Prime + 9.9% (Fixed
5.9% for first six months)
None/$55.00 Annual
Travel Fee $29.00 25 2% or $10.00 min.
Visa College Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2% or $10.00 min.
Visa Young Adult Prime + 7.9%
20.00(waived first year
and thereafter with one
purchase a year)
$29.00 25 2% or $10.00 min.
Visa Business Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase year)
$29.00 25 2% or $10.00 min.
Visa Business Travel Prime + 9.9% None $29.00 25 2% or $10.00 min.
Visa Platinum Edition Greater of 13.99% or
LIBOR + 10% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances greater
than $500.00
25
2% or $10.00
(whichever is
greater)
Visa Gold Edition Greater of 13.99% or
LIBOR + 10% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances greater
than $500.00
25
3% or $10.00
(whichever is
greater)
Visa Premier Edition Greater of 15.99% or
LIBOR + 12% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
2% or $10.00
(whichever is
greater)
Visa College Edition Greater of 15.99% or
LIBOR + 12% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
2% or $10.00
(whichever is
greater)
1st Bank Yuma (Cards issued through: Texas Independent Bank, Dallas, Texas)
1st NATIONAL BANK OF ARIZONA (Cards issued through: Elan Financial Services, Waukegan, IL)
ARIZONA BUSINESS BANK (Cards issued through: First National Bank of Omaha, NE)
1
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Business Edition/
Corporate Edition 12.10% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
3% or $15.00
(whichever is
greater)
Visa Business Edition Plus 12.10% $35.00
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
3% or $15.00
(whichever is
greater)
Visa Secured Greater of 20.99% or
LIBOR + 17% $20.00
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
5% or $15.00
(whichever is
greater)
Visa Executive Edition Greater of 15.99% or
LIBOR + 12% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500.00
or greater
25
3% or $10.00
(whichever is
greater)
Visa Rewards Advantage
Platinum Edition 14.15% None
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500-
$999, $39.00 for
balances over
$1,000
25
3% or $15.00
(whichever is
greater)
Visa First Airmiles Rewards
Platinum Edition 14.15% $29.00
$29.00 for new
balances less than
$500.00, $35.00 for
balances of $500-
$999, $39.00 for
balances over
$1,000
25
3% or $15.00
(whichever is
greater)
Visa Platinum
Prime + 3.99% - 9.99%
(Fixed 5.9% for 1st six
months)
$40.00 (waived the 1st
year and thereafter with
one purchase a year)
$27.00 - $35.00 20 – 25
2% or $10.00
(whichever is
greater)
Visa Classic
Prime + 5.99% - 9.99%
(Fixed 5.9% for 1st six
months)
$20.00 (waived 1st year
and thereafter with one
purchase a year )
$27.00 - $35.00 20 – 25
2% or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
None 25
2% or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year )
None 25
2% or $10.00
(whichever is
greater)
Visa Business Travel Prime + 9.9% None-Annual Travel Fee
$55.00 None 25
2% or $10.00
(whichever is
greater)
ARROWHEAD COMMUNITY BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
2
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa College Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year )
$29.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum Travel Prime + 9.99% (Fixed
5.9% for 1st six months)
None-Annual Travel Fee
$55.00 $27.-00 - $35.00 20 – 25
2% or $10.00
(whichever is
greater)
Young Adult Visa Prime + 5.99% - 9.99%
$20.00 (waived first year
and thereafter with one
purchase a year)
$27.00 - $35.00 20 – 25
2% or $10.00
(whichever is
greater)
Visa Classic
Prime + 5.99% (Fixed
5.9% intro rate for first
six months)
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum
Prime + 3.99% (Fixed
5.9% intro rate for first
six months)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00 25 2% of balance
Visa Business Travel Prime + 9.9% None-Annual Travel Fee
$55.00 $29.00 25 2% of balance
Visa Platinum Travel
Prime + 9.9% (Fixed
5.9% intro rate for first
six months)
None-Annual Travel Fee
$55.00 $27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Young Adult Visa Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Secured Prime + 5.99% - 9.99%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
MasterCard/Visa, Spanish
MasterCard/Visa, Platinum,
Gold, Classic
Prime + 2.99% to
12.99% (Fixed 5.9%
intro rate for 1st six
months)
None $29.00 to $35.00 At least 20
days 2.2% or $10.00 min.
Visa Rewards, Visa Gold
Rewards
Prime + 8.99% to
12.99% (Fixed 5.9%
intro for first six months)
None $29.00 At least 20
days 2.2% or $10.00 min.
Visa America West Flight
Fund Platinum Prime + 6.99% $75.00 $29.00 - $35.00 At least 20
days 2.2% or $10.00 min.
Visa America West Flight
Fund Classic
Prime + 9.99% (5.9%
intro rate for first six
months)
$45.00 $29.00 - $35.00 At least 20
days 2.2% or $10.00 min.
MasterCard/Visa Student Prime + 6.9% (Fixed
5.9% for first six months) None $29.00 At least 20
days 2.2% or $10.00 min.
MasterCard/Visa Secured
Prime + 10.99%(Fixed
5.9% for 1st six mos.
with deposit account)
$29.00 $29.00 - $35.00 At least 20
days 2.2 % or $10.00 min.
Spanish Master/Card Secured None $29.00 $29.00 - $35.00 At least 20
days 2.2 % or $10.00 min.
U.S. Airways Dividend Miles
Visa Platinum Prime + 9.9% Platinum $90.00 $29.00 - $35.00 At least 20
days 2.2% or $10.00 min.
BANK OF AMERICA, NA
BNC NATIONAL BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
BANK OF AMERICA, NA
3
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
U.S. Airways Dividend Miles
Visa Gold Prime + 9.9% Gold $70.00 $29.00 - $35.00 At least 20
days 2.2% or $10.00 min.
U.S. Airways Dividend Miles
Visa Classic Prime + 9.9% Classic $50.00 $29.00 - $35.00 At least 20
days 2.2% or $10.00 min.
Alaska Airlines
MasterCard/Visa-Platinum Platinum Prime + 6.99% Platinum $75.00 $29.00 At least 20
days 2.2% or $10.00 min.
Alaska Airlines
MasterCard/Visa-Gold Gold Prime + 7.99% Gold $45.00 $29.00 At least 20
days 2.2% or $10.00 min.
Alaska Airlines
MasterCard/Visa-Classic
Classic Prime + 9.49%
(Fixed 5.9% intro rate
for 1st six mos. with
relationship account)
Classic $45.00 $29.00 At least 20
days 2.2% or $10.00 min.
Premier Visa, Platinum Prime + 1.9% (5.9% intro
rate for first six months) None $29.00 - $35/00 At least 20
days 2.2% or $10.00 min.
Premier Visa, Signature
Prime + 3.99% (5.9%
intro rate for first six
months)
$150.00 $29.00 At least 20
days 2.2% or $10.00 min.
MasterCard/Visa Platinum
Prime + 6.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$25.00 20-25 2%
MasterCard/Visa Regular
Prime + 7.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$20.00 20-25 2%
Visa Platinum Travel Card
Prime + 9.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year) Annual
Travel Fee $55.00
$25.00 20-25 2%
MasterCard/Visa Business
Card Prime + 6.9% Varies $0 - $45.00 None 20-25 2%.
MasterCard/Visa Travel Card Prime + 9.9% None/$55.00 Annual
Travel Fee None 20-25 2%
MasterCard/Visa Platinum
Card
Prime + 6.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$40.00 (waived with one
purchase a year) $25.00 20-25 2.50%
MasterCard/Visa Regular
Card
Prime + 7.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$20.00 (waived with one
purchase a year) $20.00 20-25 2.50%
Visa Platinum Travel Card
Prime + 9.9% (Fixed
6.9% intro rate for 6
mos.)
$40.00 (waived with one
purchase a year) $55.00
Annual Travel Fee
$25.00 20-25 2.50%
MasterCard/Visa Business
Card Prime + 6.9% Varies with purchases$0-
$45.00 $20.00 20-25 2%
MasterCard/Visa Business
Travel Card Prime + 9.9% None/$55.00 Annual
Travel Fee $25.00 20-25 2%
MasterCard/Visa Regular
Prime + 7,9% (Fixed
6.9% intro rate for 1st six
months)
$20.00 (waived 1ST year
and thereafter with one
purchase a year)
$20.00 20 – 25 2%
MasterCard/Visa Platinum
Prime + 6.9% (Fixed
6.9% intro rate for 1st 6
mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$25.00 20 – 25 2%
BANK OF THE SOUTHWEST (Cards issued through: Elan Financial Services, Milwaukee, WI)
BANK OF TUCSON (Cards issued through: Elan Financial Services, Milwaukee, Wisconsin)
BANKUSA, FSB (Cards issued through: Elan Financial Services, Milwaukee, Wisconsin)
4
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Platinum Travel
Prime + 7.4% (Fixed
6.9% intro rate for 1st 6
mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year) Annual
Travel Fee $55.00
$25.00 20 – 25 2%
MasterCard/Visa Business Prime + 6.9%
None 1st year $40.00
max thereafter depending
on purchases
$25.00 20 – 25 2%
MasterCard/Visa Business
Travel Prime + 9.9% None Annual Travel Fee
$55.00 $25.00 20 – 25 2%
Visa Business Prime + 7.9% None $18.00 25
3% or $20.00
(whichever is
greater)
Visa Platinum
Prime + 3.99% - 9.99%
(5.9% intro rate for first
six months)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Classic
Prime + 5.99% - 9.99%
(5.9% intro rate for 1st 6
mos.)
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 – 35.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum Travel Card
Prime + 5.99% (5.9%
intro rate for first six
months
None Annual Travel Fee
$55.00 $27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$20.00 (waived with at
least one purchase a
year)
$35.00 25 2% of balance
Visa Business Travel Prime + 9.9% None Annual Travel Fee
$55.00 $35.00 25 2% of balance
Visa Classic 17.90% $10.00 $20.00 25 3% or $20.00
Visa Platinum 12.90% None $20.00 25 3% or $20.00
Visa Business Pay in full monthly $20.00 $20.00 35 N/A
Visa Business Travel Prime + 9.9% No annual fee $55.00
annual travel fee $29.00 or $38.00 20 - 25 2% of balance
College Visa Prime + 5.99% to 9.99% $0 with one purchase per
year otherwise $20.00 $29.00 or $38.00 20 - 25 2% of balance
Young Adult Visa Prime + 5.99% to 9.99% $0 with one purchase per
year otherwise $20.00 $29.00 or $38.00 20 - 25 2% of balance
Visa Classic Prime + 5.99% to 9.99% $0 with one purchase per
year otherwise $20.00 $29.00 or $38.00 20 - 25 2% of balance
Visa Platinum Prime + 3.99% to 9.99% $0 with one purchase per
year otherwise $20.00 $29.00 or $38.00 20 - 25 2% of balance
Visa Platinum Travel Prime + 9.99% No annual fee $55.00
annual travel fee $29.00 or $38.00 20 - 25 2% of balance
Cash Rewards Visa Platinum Prime + 9.99%
0$ per year with one
purchase, otherwise
$40.00
$29.00 or $38.00 20 - 25 2% of balance
BRIDGEVIEW BANK (Cards issued through: M & I Marshall & ILsley Bank
CAMELBACK COMMUNITY BANK (Cards issued through: First Tennessee Bank)
CANYON COMMUNITY BANK, NA (Cards issued through: Equifax Card Solutions, St. Petersburg, Florida)
CHOICE BANK (Cards issued through: Elan Financial Services, Fargo ND)
5
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Cash Rewards Visa Clasic Prime + 11.99%
0$ per year with one
purchase, otherwise
$20.00
$29.00 or $38.00 20 - 25 2% of balance
Visa Business Card Prime + 3.9% to 9.9%
0$ per year with one
purchase, otherwise
$40.00
$29.00 or $38.00 20 - 25 2% of balance
Visa/MasterCard 5.9% for 1st 6 mos.
Thereafter 7.9% - 11.9% $35.00 $25.00 25 2% of amount or
$2.00 min.
Visa Business 11.90% None $25.00 25 2% of amount or
$2.00 min.
Visa Platinum
Prime + 5.99% -9.99%
(5.9% intro rate for 1st 6
mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00-$38.00 20 – 25 2% of balance
Visa College Prime + 5.99% - 9.99%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00-$38.00 20 - 25 2% of balance
Visa Platinum Travel Prime + 9.9% (5.9% intro
rate for 1st 6 mos.) None$55.00 Travel Fee $29.00 25 2% of balance
Visa Business Classic Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year).
$29.00 25 2% of balance
Visa Business Travel Prime + 9.9% None $55.00 Travel Fee $29.00 25 2% of balance
Visa Classic Prime + 9.99% (.9% intro
rate for first six months)
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 - $38.00 20 – 25 2% of Balance
Visa Young Adult Prime + 5.99% - 9.99%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 - $38.00 20 -25 2% of balance
MasterCard/Visa Gold,
MasterCard/Visa Classic
Compass Bank Prime +
9.99% None $35.00 25
2% or $10.00
(whichever is
greater)
Visa Gold Personal Line of
Credit
Compass Bank Prime +
2.99% $40.00 $35.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum Card Compass Bank Prime +
2.99% None
$15 for balance less
than $100, $29 for
balance $100-$999,
$39 for balance
greater than $999
25
2% or $10.00
(whichever is
greater)
Cash Rewards Visa Platinum 5.9% for first 6 mo.
Thereafter 14.74%
$40.00 unless one
purchase per year made $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Cash Rewards Visa Classic 5.9% for first 6 mo. ,
thereafter 16.24%
$20.00 unless one
purchase per year made $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Classic 5.9% introductory first 6
mo.,then 10.74%
$20.00 unless one
purchase per year made $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
COMMERCE BANK OF ARIZONA (Cards issued throught: TIB)
COMMUNITY FIRST NATIONAL BANK (Cards issued through: Elan Financial Services, Waukegan, Illinois)
COUNTRY BANK (Cards issued through: Elan financial Services, Fargo ND)
COMPASS BANK (Cards issued through: Compass Bank, Decatur, Alabama)
6
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Platinum 5.9% introductory first 6
mo.,then 8.74%
$40.00 per year unless
used for at least one
pruchase per year.
$29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
College Visa 10.74% to 14.74% $20.00 unless one
purchase per year made $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Young Adult Visa 10.24% to14.24% $20.00 unless one
purchase per year made $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Platinum Travel 5.9% introductory first 6
mo.,then 14.74% $55.00 travel fee per yr. $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Business 8.65% or 14.65% $25.00 unless one
purchase per year made $35.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Business Travel 14.65% $55.00 travel fee $35.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Secured Visa 10.24% to 14.24% $35.00 $29.00 or $38.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Platinum Prime + 3.9%
introductory first 6 mo. None $29.00 25 4% of balance or
$20.00
Visa Business Prime + 6.0% None $29.00 25 4% of balance or
$20.00
Visa Corporate Prime + 6.0% None $29.00 25 4% of balance or
$20.00
MasterCard/Visa , Visa
Platinum
Prime + 2.9% (Fixed
5.9% for first six months) None $29.00 25 2.5% or $10.00
MasterCard/Visa Option 1,
Classic Visa 12.84%
$15.00 Fee waived if
purchases exceed $2,500
annually
$25.00 10
3%or $25.00
(whichever is
greater)
MasterCard/Visa Option 2 14.88% None $25.00 10
3% or $25.00
(whichever is
greater)
Visa Platinum 9.99% None $25.00 25
3% or $25.00
(whichever is
greater)
Visa Platinum Prime + 9.99% (Fixed
0.0% for first six months)
$40.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00 - $38.00 20 -25
2% or $10.00
(whichever is
greater)
Visa Classic Prime + 11.99% (Fixed
0.0% for first six months)
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00 - $38.00 20 - 25
2%or $10.00
(whichever is
greater)
Travel Rewards Visa Platinum Prime + 9.9% (Fixed
0.0% for 1st six months)
None $55.00 Annual
Travel Fee $29.00 25
2%or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$25.00 (waived 1st year
and thereafter with one
purchase a year)
$35.00 20 -25
2% or $10.00
(whichever is
greater)
DESERT HILLS BANK (Cards issued through: Metavante, Detroit, MI)
EAST VALLEY COMMUNITY BANK (Cards issued through: Bank Card Center, Memphis, Tennessee)
FIRST INTERNATIONAL BANK & TRUST (Cards issued through: First International Bank & Trust, Watford City, ND)
FIRST STATE BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
7
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Business Travel Prime + 9.9% None $55.00 Annual
Travel Fee $35.00 20 25
2% or $10.00
(whichever is
greater)
College Visa Young Adult
Visa Prime + 5.99% - 9.99%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$27.00 - $35.00 25
2% or $10.00
(whichever is
greater)
Visa Classic No Annual Fee
Prime Minus 1.6% 1st 6
mos., thereafter Prime +
7.9%
None $29.00 25
2%or $15.00
(whichever is
greater)
MasterCard Low Rate
Prime Minus 1.6% 1st 6
mos., thereafter Prime +
5.9%
$18.00 $29.00 25
2% or $15.00
(whichever is
greater)
MasterCard No Annual Fee
Prime Minus 1.6% 1st 6
mos., thereafter Prime +
7.9%
None $29.00 25
2%or $15.00
(whichever is
greater)
MasterCard/Visa Gold Low
Rate
Prime Minus 1.6% 1st 6
mos., thereafter Prime +
5.9%
$28.00 $29.00 25
2% or $15.00
(whichever is
greater)
MasterCard/Visa Gold No
Annual Fee
Prime Minus 1.6% 1st 6
mos., thereafter Prime +
7.9%
None $29.00 25
2% or $10.00
(whichever is
greater)
MasterCard/Visa Gold Fixed 5.9% for 6 mos.,
thereafter LIBOR + 9% None $25.00 25
2% or $10.00
(whichever is
greater)
MasterCard/Visa Platinum Fixed 5.9% for 6 mos.,
thereafter LIBOR + 9% None $25.00 25
2% or $10.00
(whichever is
greater)
Visa Business 12% over the 30-day
commercial paper rate None $25.00 25
2% or $10.00
(whichever is
greater)
MasterCard/Visa Young Adult Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase year)
$29.00 25 2%
MasterCard/Visa College
Card Prime + 7.9%
$20.00(waived 1st year
and thereafter with one
purchase a year)
$29.00 25 2%
MasterCard/Visa Business
Travel Prime + 9.9% None $55.00 Annual
Travel Fee $29.00 25 2%
MasterCard/Visa Business Prime + 7.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Platinum Travel Prime + 9.9% (5.9% for
1st 6 mos.)
$40.00 (waived 1st year
and thereafter with one
purchase a year) $55.00
Annual Travel Fee
$29.00 25 2%
MasterCard/Visa Regular Prime + 7.9% (5.9% intro
rate for 1st 6 mos.)
$20.00 (waived 1st year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Gold
Prime + 7.9% (Fixed
6.9% Promo rate for 1st
6 mos.)
None $18.00 25 3% or $20.00 min.
HOME NATIONAL BANK (Cards issued through: First National Bank of Omaha and First National Bank of South Dakota)
JOHNSON BANK ARIZONA, NA
HARRIS TRUST BANK N. A.
MARSHALL & ILSLEY BANK
8
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Classic
Prime + 7.9% (Fixed
6.9% Promo rate for 1st
6 mos.)
None $18.00 25 1/30th of balance or
$10.00 min.
Visa Classic 12.90% None $15.00 25
3% or $10.00
(whichever is
greater)
Visa Gold Prime + 4% $15.00 $15.00 25
3% or $10.00
(whichever is
greater)
Visa Platinum
Prime + 6.9% (5.9%
intro rate for 1st six
months)
$40.00 (waived with one
purchase a year) $29.00 25 2%
Visa Classic Prime + 7.9% (5.9% intro
rate for 1st six months:
$20.00 (waived with one
purchase a year) $29.00 25 2%
Visa Business Prime + 7.9% $20.00 (waived with one
purchase a year) $29.00 5 2%
Visa Business Travel Prime + 9.9%) None Annual Travel Fee
$55.00 $29.00 25 2%
Visa Platinum Travel Prime + 9.9% (5.9% intro
rate for 1st six months)
None Annual Travel Fee
$55.00 $29.00 25 2%
Visa Young Adult Prime + 7.9% $20.00 (waived with one
purchase a year) 29 25 2%
Cash Rewards Visa Platinum 5.9% for first six months
thereafter 14.74%
$40.00(waived with one
purchase a year) $29.00 - $38.00 20 – 25 2%
Cash Rewards Visa Classic 5.9% for first six months,
thereafter 16.74%
$20.00 (waived with one
purchase a year) $29.00 - $38.00 20 – 25 2%
Visa College Prime + 7.9% $20.00 (waived with one
purchase a year) $29.00 25 2%
MasterCard/Visa Varies Prime +6.9% to
Prime +9.9% $20 -$40 None 25 2%
MasterCard/Visa Business –
Individual Prime + 6.9% $40 None 25 2%
MasterCard/Visa Business –
Company Prime +6.9% $40 - $43 None 25 2%
MasterCard/Visa Young Adult
– College Prime +9.9%
$20.00 (waived 1st year
and thereafter with one
purchase a year)
None 25 2%
Visa 0% first 6 months then
7.99% - 18.99%
$0 first year, $20.00 -
$40.00/ year after $29.00 pr $38.00 20 - 25 2% or $10.00 min.
Visa Platinum
Prime + 6.9%(Fixed
5.9% intro rate for first
six months)
$40.00 (waived with one
purchase a year) $29.00 25 2% or $10.00 min.
Visa Classic
Prime + 7.9% (Fixed
5.9% intro rate for first
six months)
$20.00 (waived with one
purchase a year) $29.00 25 2% or $10.00 min.
Visa Platinum Travel
Prime + 9.9% (Fixed
5.9% intro rate for first
six months)
None/Annual Travel
Fee$55.00 $29.00 25 2% or $10.00 min.
MISSION BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
MERIDIAN BANK , NA (Cards issued through: Elan Financial Services, Fargo, N. D.)
MATRIX CAPITAL BANK, FSB
MESA BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
9
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Business Prime + 7.9% $20.00 (waived with one
purchase a year) $29.00 25 2% or $10.00 min.
Visa Business Travel Prime + 9.9% None $29.00 25 2% or $10.00 min.
Visa Classic 14.50% $15.00 $10.00 25 $20.00
Visa Gold 13.08% $25.00 $10.00 25 $50.00
Visa Classic MasterCard 13.25% None $29.00 25 1.5% of balance
Visa Gold 13.25% None $29.00 25 1.5% of balance
Visa Platinum 9.25% None $29.00 25 1.5% of balance
Visa Business Prime + 9% $30.00 (waived with
$2500 00 of purchases a $29.00 25 Full amount of
balance is less than
Visa Classic, MasterCard 13.25% None $29.00 25 1.5% of balance
Visa Business Prime + 9%
$30.00 (waived with
$2500.00 of purchases a
year)
$29.00 25
Full amount of
balance if less than
$20.00 or 1.5%
Visa Capital Credit Prime + 6% $40.00 $40.00 25
Full amount of
balance if less than
$20.00 or 1.5%
Visa Platinum 9.25% None $29.00 25 1.5% of balance
Visa Purchasing Prime + 9%
$30.00 (waived with
$2500.00 of purchases a
year)
$29.00 25
Full amount of
balance if less than
$20.00 or 1.5%
Visa Prime + 8.9% None $20.00 – $25.00 25
3% or $20.00
(whichever is
greater)
Retail Card Prime + 12.25% None $20.00 – $25.00 25
3% or $20.00
(whichever is
greater)
Platinum Plus
MasterCard/Visa
Prime + 7.4% (Fixed
5.9% promo rate for 1st
5 mos.)
None $29.00 25
2% or $15.00
(whichever is
greater)
Preferred MasterCard/Visa
Prime + 7.9% (Fixed
5.9% promo rate for 1st
5 months)
None $29.00 25
2% or $15.00
(whichever is
greater)
Visa Platinum Travel Prime + 9.9% (5.9% for
first six months)
None/$55.00 Annual
Travel Fee $29.00 25 2%
Visa Classic Prime + 7.9% (5.9% for
first six months)
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Business Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
None 25 2%
Visa Business Travel Prime + 9.9% None/$55.00 Annual
Travel Fee None 25 2%
Visa College Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Platinum
Prime + 6.9% (Fixed
5.9% the 1st six
months)
$20.00 (waived the 1st
year and thereafter with
one purchase a year)
$29.00 25 2%
NATIONAL BANK OF ARIZONA (Cards issued by: Zions First National Bank, Salt Lake City, Utah)
NORDSTROM FSB (Cards issued through: Colorado Service Center, Englewood, Colorado)
NORTHERN TRUST BANK OF ARIZONA, NA (Cards issued through: MBNA America Bank, N.A., Wilmington, DE)
COPPER STAR BANK (Cards issued through: Elan Financial Services)
MOHAVE STATE BANK
10
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
MasterCard/Visa Regular Prime + 7.9% (Fixed
6.9% for 1st 6 months)
$20.00 (waived the 1st
year and thereafter with
one purchase a year)
$20.00 20-25 2%
Visa Platinum Travel Card
Prime + 9.9% (Fixed
intro rate 5.9% for 1st 6
mos.)
$40.00 (waived for the 1st
year and thereafter with
one purchase a year)
$55.00 Annual Travel Fee
$25.00 20-25 2%
MasterCard/Visa Platinum Prime + 6.9% (Fixed into
rate 6.9% for 1st 6 mos.)
$40.00 (waived for the
1st year and thereafter
waived with one purchase
a year)
$25.00 20-25 2%
MasterCard/Visa Business
Card Prime + 6.9% Varies with purchases $0-
$45.00 $20.00 20-25 2%
MasterCard/Visa Business
Travel Card Prime + 9.9% None $55.00 Annual
Travel Fee $25.00 20-25 2%
Visa Business & Visa
Business Travel 8.15% - 14.15%
None the 1st yr., $25.00
(waived with at least one
purchase a year)
$35.00 20 - 25 $2.00 or 2%
Visa Travel Rewards Platinum 0.0% 1st six months;
14.24% $55.00 Program Fee $29.00 or $38.00 20 - 25 2%
Visa Platinum & visa Classic
Cards
8.24%-17.24%; 10.24% -
19.24%
None the 1st yr., $40.00 -
$20.00 $29.00 or $38.00 20 - 25 2%
Visa College Card 10.74% - 14.74%
None the 1st yr., $20.00
(waived with one
purchase a year)
$29.00 or $38.00 20 -25 2%
Cash Rewards Visa Platinum
5.9% 1st six
months;Thereafter
14.74%-16.74%
None the 1st yr., $40.00
(waived with one
purchase a year)
$29.00 –$38.00 20 - 25 2%
Cash Rewards Visa Classic 0.0% 1st six months;
16.24%
$20.00 (waived first year
and with one purchase a
year)
$29.00 - $38.00 20 – 25 2%
Visa Young Adult 10.74% - 14.74%
None the 1st yr., $20.00
(waived with one
purchase a year)
$29.00 or $38.00 20 - 25 2%
Visa Secured 18.15%/Prime rate +
9.99% $35.00 $18.00 25 2%
The Company Card 13.9% variable $275.00 $35.00 20 - 25 2%
MasterCard Standard,
MasterCard Gold 15% $15.00 5% or $10.00
(whichever is less) 25 5% or $20.00 min.
MasterCard Business 15% $15.00 5% or $10.00
(whichever is less) 25 5% or $20.00 min.
Visa Business w/Flex Miles &
Grace Period 12.15% None $25.00 25 3% or $15.00 min.
Visa Business w/Grace only 12.15% $40.00 per card $25.00 25 3% or $15.00 min.
Visa Business (no Grace
Period) 12.15% $79.00 per account $25.00 + $40.00 ea
addtl card 0 3% or $15.00 min.
Visa Classic 12.15% None $25.00 25 3% or $15.00 min.
Visa Classic w/Flex Miles 12.15% $35.00 $25.00 25 3% or $15.00 min.
Visa Platinum 12.15% None $25.00 25 3% or $15.00 min.
Visa Platinum w/Flex Miles 8.15% $35.00 $25.00 25 3% or $15.00 min.
MasterCard Gold 12.15% None $25.00 25 3% or $15.00 min.
SUMMIT BANK (Cards issued through: The Independent Bankers Bank)
SOUTHERN ARIZONA COMMUNITY BANK (Cards issued through: Elan Financial Services, Milwaukee, WI)
THE STOCKMEN’S BANK
STEARNS BANK ARIZONA, NA (Cards issued through: Elan Financial Services, Milwaukee, WI)
11
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Business Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Business Travel Card Prime + 9.9% None $55.00 Annual
Travel Fee $29.00 25 2%
Visa Platinum Prime + 6.9% (5.9% intro
rate for first six months)
$40.00 (waived first year
and thereafter with one
purchase a year
$29.00 25 2%
Visa Classic Prime + 7.9% (5.9% intro
rate for first six months)
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25 2%
Visa Platinum Travel Card Prime + 9.9% (5.9% intro
rate for first six months)
None Annual Travel
Fee$55.00 $29.00 25 2%
Visa 18% None $15.00 25 $15.00
Visa Gold 16% None $15.00 25 $15.00
Visa Classic Unsecured,
College Unsecured, Young
Adult Unsecured
Prime + 5.99% - 14.99% None $35 20 – 25 2% of balance
Platinum Unsecured Prime + 3.99% - 12.99% None $35 20 - 25 2% of balance
Secured Secured Prime + 5.99% -
14.999% $35.00 $35 20 – 25 2% of balance
Platinum Travel Prime + 9.99% $55.00 $35 20 2% of balance
Cash Reward Classic Prime + 11.99% None $35 20 2% of balance
Cash Rewards Platinum Prime + 9.99% None $35 20 2% of balance
Neighbor MasterCard/Visa,
True Neighbor
MasterCard/Visa Gold
Prime + 8.4% None $25.00 25
3% or $15.00
(whichever is
greater)
MasterCard/Visa Platinum
Flex Miles
Prime + 3.9% (5.9% intro
rate for 1st six months) $35.00 $25.00 25
3% or $15.00
(whichever is
greater)
MasterCard/Visa Classic Flex
Miles
Prime + 5.9% (5.9% intro
rate for first six months $35.00 $25.00 25
3% or $15.00
(whichever is
greater)
MasterCard/Visa Non-Mileage Prime + 7.9% (5.9% intro
rate for first six months) None $25.00 25
3% or $15.00
(whichever is
greater)
Visa Business No Grace
Period
Prime + 7.9% (5.9% intro
rate for 1st six months) None $25.00 None
3% or $15.00
(whichever is
greater)
Visa Business Grace Period Prime + 7.9% (5.9% intro
rate for 1st six months) $40.00 $25.00 25
3% or $15.00
(whichever is
greater)
MasterCard Personal
Business, MasterCard
Platinum
12% None 5% or $10.00
(whichever is less) 25
5% or $20.00
(whichever is
greater)
SUNRISE BANK OF ARIZONA (Cards issued through: Elan Financial Services, Waukegan, IL)
SUNSTATE BANK (Cards issued by: Crittson, Elkhart, Indiana)
US BANK NATIONAL ASSOCIATION N.D. (Cards issued through: U.S. Bank, Fargo, North Dakota)
UNION BANK OF ARIZONA, NA (Cards issued through: TCM Bank, N.A., Tampa, Florida)
UNITED ARIZONA BANK, NA (Cards issued thorough: Bank Card Center, Dallas, Texas)
VALLEY FIRST COMMUNITY BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
VALLEY COMMERCE BANK
12
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa Platinum
Prime + 6.9% (Fixed
intro rate 5.9% for 1st six
months)
$40.00 (waived with at
least one purchase a
year)
$29.00 25 2%
Visa Regular, Visa Classic
Prime + 7.9% (Fixed
intro rate 5.9% for 1st six
months.)
$20.00 (waived with at
least one purchase a
year)
$29.00 25 2%
Visa College Card Prime + 7.9%
$20.00 (waived with at
least one purchase a
year)
$29.00 25 2%
Visa Platinum Travel
Prime + 9.9% (Fixed
intro rate 5.9% for 1st six
months)
None Annual Travel Fee
$55.00 $29.00 25 2%
Visa Business Prime + 7.9%
$20.00 (waived with at
least one purchase a
year)
$29.00 25 2%
Visa Business Travel Prime + 9.9% None Annual Travel Fee
$55 00 $29.00 25 2%
Visa Young Adult Prime + 7.9% $20.00 (waived with at $29.00 25 2%
Visa Unsecured
7.65% - 19.25% (5.9%
intro rate for first six
months)
None
$20.00 on balance
up to $100.00,
$29.00 up to
$100.00, $35.00 on
$1000.00 & over
20 – 25
2% or $15.00
(whichever is
greater)
Visa College 19.8% (5.9% intro rate
for first six months) $18.00 $30.00 20 – 25
2% or $15.00
(whichever is
greater)
Visa Secured 17.24%(5.9% intro rate
for first six months) $18.00 $30.00 20 – 25 2% or $15.00
(whichever is
Visa (Consumer Credit Card) Prime + 3.99% to prime
+ 14.99%
Varies - $20.00 or
$40.00 or $55.00
Varies - $29.00 or
$38.00 20 - 25 $2.00
Business Mastercard
(Revolving) Prime + 15.00% None $32.00 25 Greater of $15.00 or
2% of new balance
Business Mastercard (Non-revolving)
None $45.00 $32.00 N/A
All charges paid in
full each billing
period
Visa Classic
Prime + 7.9% (5.9% intro
rate for the first six
months)
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum
Prime + 6.9% (5.9% intro
rate for the first six
months)
$40.00 (waived first year
and thereafter with one
purchase a
$29.00 25
2% or $10.00
(whichever is
greater)
Visa Business Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25
2% or $10.00
(whichever is
greater)
Visa Business Travel Prime + 11.90% None $55.00 Annual
Travel Fee $29.00 25
2% or $10.00
(whichever is
greater)
Visa Platinum Travel Prime 9.9% (5.9% intro
rate for first six months)
None $55.00 Annual
Travel Fee $29.00 25
2% or $10.00
(whichever is
greater)
Visa College, Visa Young
Adult Prime + 7.9%
$20.00 (waived first year
and thereafter with one
purchase a year)
$29.00 25
2% or $10.00
(whichever is
greater)
YUMA COMMUNITY BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
WESTERN SECURITY BANK (Cards issued through: U. S. Bank N. A., dba Elan Financial Services, Utah)
WELLS FARGO BANK, NA (Cards issued through: Wells Fargo Bank Nevada, N.A.)
13
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
Visa Classic 11.90% None 10% $5 min. $25
Max. 25
2% or $15.00
(whichever is
greater)
Visa Gold 9.90% $25.00 10% $5 min $25
max. 25
3% or
$25.00(whichever is
greater)
Visa Secured 14.90% None 10% $5 min.$25
max. 25
3% or $25.00
(whichever is
greater)
Visa Corporate 13.90% None 10% $5 min.$25
max. 25
3% or $25.00
(whichever is
greater)
Visa Classic/Visa Secured 11.90% None 5% or $10.00
(whichever is less) 25
2.5% or $10.00
(whichever is
greater)
Visa Gold 9.90% None 5% or $10.00
(whichever is less) 25
2.5% or $10.00
(whichever is
greater)
Visa Classic Prime + 6.5% None
$5.00 or 10% of
payment (whichever
is greater)
25
2.7% or $20.00
(whichever is
greater)
Visa Gold Prime + 3.5% None
$5.00 or 10% of
payment (whichever
is greater)
25
2.7% or$20.00
(whichever is
greater)
Visa Regular 12.90% None $10.00 25 $20.00
Visa Gold 8.90% None $10.00 25 $20.00
Visa Premium 9.90% None $10.00 25 $20.00
Visa Classic 11.90% None $10.00 25
3% or $25.00
(whichever is
greater)
Visa Platinum 3.9% Fixed rate for three
months, 9.9% afterwards None 5% or $10.00
(whichever is less) 25 $15.00
Visa Financial Freedom
3.9% Fixed rate for three
months, 11.9%
afterwards
None 5% or $10.00
(whichever is less) 25 $15.00
Visa Student 16.90% None 5% or $10.00
(whichever is less) 25 $15.00
MasterCard Classic Varies with individual’s
credit 12.9% -18% None
20% or $5.00
(whichever is
greater)$20.00 max.
10
3% or $20.00
(whichever is
greater)
MasterCard Gold 10.90% None
20% or $5.00
(whichever is
greater) $20.00
max.
10
3% or $20.00
(whichever is
greater)
MasterCard Platinum 7.90% None
20% or $5.00
(whichever is
greater) $20.00
max.
10
3% or $20.00
(whichever is
greater)
ARIZONA GROCERS CREDIT UNION
ARIZONA HOLSUM CREDIT UNION
ARIZONA STATE SAVINGS & CREDIT UNION
ALHAMBRA CREDIT UNION
ARIZONA CENTRAL CREDIT UNION
ARIZONA FEDERAL CREDIT UNION
BANNER FEDERAL CREDIT UNION
1
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
Visa Classic 11.99% None $25.00 25 $25.00 or 3% which
ever is greater
Visa Share Secured 14.99% None $25.00 25 $25.00 or 3% which
ever is greater
Visa Platinum 8.99% None $25.00 25 $25.00 or 3% which
ever is greater
MasterCard 14.90% None $10.00 25 $25.00
Visa 10.15% None $10.00 10 3% or $20.00 min.
Visa Advantage 11.9% - 19.9% None $35.00 25
3% or $35.00
(whichever is
greater)
Visa Platinum Advantage 9.9% - 19.9% None $35.00 25
3% or $35.00
(whichever is
greater)
Visa Share Secured 18% None $35.00 25
3% or $25.00
(whichever is
greater)
Visa Classic 13.50% None 5% or $10.00 25
3% or $25.00
(whichever is
greater)
Visa Gold 12.50% None 5% or $10.00 25 3% or $25.00
(whichever is greater
Visa Classic 17.99% None 15% or $15.00 min. 25 $30.00
Visa Gold 11.25% None 15% or $15.00 min. 25 $30.00
Visa Platinum 8.25% None 15% or $15.00 min. 25 $30.00
Visa Classic 12.90% None $10.00 25 2% of outstanding
balance or $20.00
Visa Gold 9.90% None $10.00 25 2% of outstanding
balance or $20.00
MasterCard 13.25% None $10.00 25 $20.00
MasterCard Platinum Plus 9.90% None $15.00-$39.00 25 2.25% of Balance
Visa Classic 13.90% None $10.00 25 3% or $20.00
Visa Gold 12.90% None $10.00 25 3% or $20.00
Visa Classic 13.50% None 2.5% or $5.00 min
$25.00 max.
25 with
grace or
none
without
2% or $20.00
(whichever is
greater)
Visa Platinum 9.50% None 2.5 % or $5.00 min.
$25.00 max.
25 with
grace or
none
without
2% or $20.00
(whichever is
greater)
FIRST AMERICAN CREDIT UNION (Cards issued through: CUNA Service Group)
FIRST CREDIT UNION
DM FEDERAL CREDIT UNION (Cards issued through: Equifax)
DEER VALLEY CREDIT UNION
DESERT ENERGY CREDIT UNION
DESERT SCHOOLS FEDERAL CREDIT UNION (Cards issued through: MBNA, Delaware)
COCHISE CREDIT UNION
COCONINO FEDERAL CREDIT UNION
CORPORATE AMERICA FAMILY CREDIT UNION
CREDIT UNION WEST
BASHAS’ ASSOCIATES FEDERAL CREDIT UNION
2
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
Visa Special Interest 16.50% None 2.5% or $5.00 min.
$25.00 max.
25 with
grace
option,
none
without
2% or $20.00
(whichever is
greater)
Visa Classic 9.65%-20.9% None 5% or $10.00
(whichever is less) 25
2.5% or $10.00 min.
(whichever is
greater)
Visa Platinum 7.90% None 5% or $10.00
(whichever is less) 25
2.5% or $10.00
(whichever is
greater)
Visa Gold 8.90% None 5% or $10.00
(whichever is less) 25
2.5% or $10.00
(whichever is
greater)
Visa Classic Gold, Platinum 9.99% - 18% None $10.00 after 10 days 25
3% or $25.00
(whichever is
greater)
Visa Classic 12.84% None $15.00 25
2% or $20.00
(whichever is
greater)
Visa Gold 11.88% None $15.00 25
2% or $20.00
(whichever is
greater)
Visa Classic 13.92% None $10.00 25 $20.00
Visa Gold 11.88% None $10.00 25 $20.00
Visa Secured 17.88% $20.00 $10.00 25 $20.00
Visa Classic 12.96% None $20.00 25 2% or $15.00 min.
Visa/MasterCard Classic 12.50% None $10.00 25 3% of balance
Visa/MasterCard Gold 11.95% None $10.00 25 3% of balance
Visa Platinum 9.50% None $10.00 25 3% of balance
Visa
12.9% on new purchases
6.9% on old purchases
(Based on credit history
and debt ratio)
None $15.00 25 3% or $25.00
whichever is greater
Visa Platinum 9.90% None $15,00 25 3% or $25.00
whichever is greater
Master Card Platinum 12.50% None $20.00 25
3% or 25.00
(whichever is
greater)
Master Card Standard 14.50% $15.00 $20.00 25
3% or $25.00
(whichever is
greater)
Visa Classic 14.99% None $25.00 25
3% or $20.00
(whichever is
greater)
Visa Gold 11.40% None $15.00 25 2.5% or $25.00 min.
MasterCard Classic 12.90% None $15.00 25 2.5% or $10.00 min.
PIMA FEDERAL CREDIT UNION
JOHN C. LINCOLN CREDIT UNION
MARISOL FEDERAL CREDIT UNION
MOHAVE COMMUNITY FEDERAL CREDIT UNION
HONEYWELL AEROSPACE FEDERAL CREDIT UNION
HOSPITALITY USA CREDIT UNION
HUACHUCA FEDERAL CREDIT UNION (Cards issued through: Equifax)
HUGHES FEDERAL CREDIT UNION
GRAND CANYON STATE CREDIT UNION
FIRST EDITION COMMUNITY CREDIT UNION
3
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
Visa Platinum 9.90% None $25.00 25
2% or $20.00
(whichever is
greater)
Visa Classic 12.90% None $25.00 25
2% or $20.00
(whichever is
greater)
Classic 12.00% None $10.00 25
3% or $15.00
(whichever is
greater)
Visa Classic 11.88% -15.00 % -
18.00% None $15.00 25
2% or $20.00
(whichever is
greater)
MasterCard Platinum 8.9% - 10.5% $10.00 $15.00 None 2% or $10.00 min.
MasterCard Classic 11.9% - 18.0% $10.00 $15.00 None 2% or $10.00 min.
Visa Classic 13.90% None $20.00 10
3% or $20.00
(whichever is
greater)
Visa Gold 10.90%
None 1st year$18.00
(waived with $1,500.00 in
purchases)
$20.00 10
3% or $20.00
(whichever is
greater)
Visa 12% None $10.00 25
3% or $20.00
(whichever is
greater)
Visa Classic 12/9%
$25.00(waived 1st year,
thereafter annual waiver if
$500.00 or 6 purchases
a year are made)
$10.00 25 3%
Visa Gold 11.90%
$25.00 (waived 1st year,
thereafter annual waiver if
$500.00 or 6 purchases a
year are made)
$10.00 25 3%
Visa Secured 15.90% $25.00 $10.00 25 3%
Visa Classic 7.90% None $25.00 25
3% or $30.00
(whichever is
greater)
Visa Classic 14.90% $10.00 $5.00 25
3% or $25.00
(whichever is
greater)
Visa Classic/Visa Secured 12.40% $12.00 $10.00 None $20.00
MasterCard, Visa Classic 11.50% None 20% of payment None 3% or min. of $18.00
MasterCard Gold, Visa Gold 11.90% None 20% of payment 25 3% or min. of $18.00
Visa 13.90% None $10.00 25
4% or $20.00
(whichever is
greater)
SOUTHWEST HEALTH CARE CREDIT UNION
SOUTHEASTERN ARIZONA FEDERAL CREDIT UNION
SOUTHERN ARIZONA COMMUNICATIONS CREDIT UNION (Cards issued through: Illinois National Apollo Program)
SOUTHWEST AIRLINES FEDERAL CREDIT UNION
SNOWFLAKE MILLS FEDERAL CREDIT UNION
SAFE Q CREDIT UNION
SALT RIVER PROJECT CREDIT UNION (cards issued through MBNA/Delaware)
SAN TAN CREDIT UNION
SHAMROCK FOODS FEDERAL CREDIT UNION
PINAL COUNTY FEDERAL CREDIT UNION
PRESCOTT FEDERAL CREDIT UNION (Cards issued through Equifax, Florida)
PYRAMID CREDIT UNION (Cards issued through Equifax Card Services)
4
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
Visa Classic 13.92% None $10.00 25
3% or $10.00
(whichever is
greater)
Visa Gold 13.92% $25.00 $10.00 25
3% or $10.00
(whichever is
greater)
MasterCard Classic 14.90% None $5.00 25 $20.00
MasterCard Gold 12.50% None $5.00 25 $20.00
Visa Platinum Home Equity Prime + 7.5% None 6% of payment 25 1.50%
Visa Platinum 9.50% None $20.00 25
2% or $25.00
(whichever is
greater)
Visa Gold 12.50% None $20.00 25
2% or $25.00
(whichever is
greater)
Visa Classic 12.50% None $20.00 25
2% or $25.00
(whichever is
greater)
Visa Classic 14.90% None
5% of payment or
$10.00 (whichever is
less)
25 3.5% or $25.00 min.
Visa Gold 9.90% None
5% of payment or
$10.00 (whichever is
less)
25 3.5% or $25.00 min.
Visa Platinum 7.9& None
5% of payment or
$10.00 (whichever is
less)
25 3.5% or $25.00 min.
MasterCard/Visa Classic 12.25% - 16.00% None
20% of accrued
interest with a
$10.00 min.
25
3% of balance or
$10.00 (whichever is
greater)
Visa Gold 11.00% - 11.75% None
20% of accrued
interest with a
$10.00 min.
25
3% of balance or
$10.00 (whichever is
greater)
Visa Classic 9.90% None 5% or $5.00 min. 6 $15.00
Visa Gold 11.99% to 18.60% None 5% or $10.00
(whichever is less) 25
2% or $15.00
(whichever is
greater)
Visa Classic 11.99% to 18.60% None 5% or $10.00
(whichever is less) 25
2% or $15.00
(whichever is
greater)
Visa Classic 12.50% None $10.00 (after 15
days) 25
3% pt $20.00
(whichever is
greater)
MasterCard Classic 13.90% None $20.00 25 $20.00
Visa Classic 12.90% None $15.00 25
3% or $20.00
(whichever is
greater)
TUCSON TELCO FEDERAL CREDIT UNION
U-HAUL FEDERAL CREDIT UNION
YAVAPAI FEDERAL CREDIT UNION
TRU WEST CREDIT UNION
TUCSON FEDERAL CREDIT UNION
TUCSON HEALTHCARE AFFILIATES FEDERAL CREDIT UNION
TUCSON OLD PUEBLO CREDIT UNION
SUN COUNTRY CREDIT UNION
SUN WEST FEDERAL CREDIT UNION
TEMPE SCHOOLS CREDIT UNION
5
EXPLANATION OF TERMS
APR:
Interest rates are expressed as an Annual Percentage Rate as
defined in the Federal Consumer Protection Act, 15 United States
Code,Section 1606.
LATE CHARGE:
If scheduled payment is not paid in full by the due date, a charge
not to exceed 5% of the payment amount or $10.00, whichever is
less, may be assessed against your account.
GRACE PERIOD:
If your new balance is made up only of purchases (not cash
advances) described on the current statement, you will not have to
pay any finance charges.
MINIMUM PAYMENT:
You may pay for all of your purchases and advances in full each
month, or you may pay in monthly installments. If you decide to pay
in installments, each payment will be determined from a percentage
of the balance, but a minimum dollar amount is usually established.
If the balance is less than the specified minimum payment, you pay
only the balance. In addition, you must pay all amounts past due or
over your credit line.
UPB:
Unpaid principal balance.
For institutions that did not furnish figures for fourth quarter report,
figures reflected are from previous report.