Credit card interest rate report 2nd quarter ending March 31, 2005

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              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
1ST Quarter Ending
MARCH 31, 2005
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 + 12.5% None
$29 for new bal. less
than $500,$35 for
bal. greater than
$500,$39. for bal.
$1000 & greater
25
2% or $10.00
(whichever is
greater)
Visa Gold Edition Greater of 13.99% or
LIBOR + 12.5% None
$29 for new bal. less
than $500,$35 for
bal. greater than
$500
25
2% or $10.00
(whichever is
greater)
Visa Premier Edition Greater of 15.99% or
LIBOR + 14% None
$29 for new bal. less
than $500,$35 for
bal. of $500 or
greater
25
2% or $10.00
(whichever is
greater)
Visa College Edition Greater of 15.99% or
LIBOR + 14.5% None
$29. for new bal.
less than $500,$35
for bal. greater than
$500,$39 for bal.
greater then $1000
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 Greator of 11.99% or
Libor +10.5% None
$29 for new bal. less
than $500, $35 for
bal. greater than
$500,$39 for bal.
greater then $1000
25
2% or $15.00
(whichever is
greater)
Visa Business Edition Plus Greator of 11.99% or
Libor 10.5% $50.00
$29 for new bal. less
than $500, $35 for
bal. greater than
$500,$39 for bal.
greater then $1000
25
2% or $10.00
(whichever is
greater)
Visa Secured Greater of 20.99% or
LIBOR + 19.5% $20.00
$29 for new bal less
than $500, $35 for
balances greater
than $500 $39 for
bal. greater than
$1000
25
5% or $15.00
(whichever is
greater)
Visa Executive Edition Greater of 15.99% or
LIBOR + 12% None
$29 for new bal less
than $500, $35 for
bal of $500 or
greater
25
3% or $10.00
(whichever is
greater)
Visa Rewards Advantage
Platinum Edition 14.15% None
$29 for new bal less
than $500, $35 for
bal of $500-$999,
$39 for bal over
$1000
25
3% or $15.00
(whichever is
greater)
Visa First Airmiles Rewards
Platinum Edition 14.15% $29.00
$29 for new bal less
than $500, $35 for
bal of $500-$999,
$39 for bal over
$1000
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)
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)
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
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.
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.
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
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%
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%
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
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 $38.00 20 - 25 2% of balance
Cash Rewards Visa Clasic Prime + 11.99%
0$ 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
CANYON COMMUNITY BANK, NA (Cards issued through: Equifax Card Solutions, St. Petersburg, Florida)
CHOICE BANK (Cards issued through: Elan Financial Services, Fargo ND)
BRIDGEVIEW BANK (Cards issued through: M & I Marshall & ILsley Bank
CAMELBACK COMMUNITY BANK (Cards issued through: First Tennessee Bank)
COMMERCE BANK OF ARIZONA (Cards issued throught: TIB)
5
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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)
Visa Classic Cash Rewards
0% for first 6 months,
thereafter Prime + 5.99%
to 14.9%
$0 with one purchase
annually, otherwise $20 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Classic
0% for first 6 months,
thereafter Prime + 5.99%
to 14.99%
$0 with one purchase
annually, otherwise $20 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Platinum
0% first 6 mo thereafter
Prime +3.99% to
12.99%for pruchases &
balance transfers.
$0 If at least one
pruchase made,
otherwise $40
$35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Platinum Cash Rewards
0% first 6 mo thereafter
Prime +3.99% to
12.99%for pruchases &
balance transfers.
$0 if one purchase made
annually, otherwise $40 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa College Rewards
Prime + 5.99% to
14.99% for pruchases
and balance transfers.
$0 with one purchase
annually, otherwise $20 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
COMMUNITY FIRST NATIONAL BANK (Cards issued through: Elan Financial Services, Waukegan, Illinois)
COUNTRY BANK (Cards issued through: Elan Financial Services, Illinois)
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 Young Adult Visa
Prime+5.9%to 14.99%
for prucheses and
balance transfers.
$0 with one purchase
annually otherwise $20 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Business
0% first six months,
thereafter Prime + 3.9%
to 9.9%
$0 if at least one
purchase made,
otherwise $25
$35.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Business Travel
0% first 6 months,
thereafter Prime + 3.9%
to 9.9%
$55.00 $35.00 20 - 25
2% of balance or
$10.00, whichever is
greater
Visa Company Prime + 9.9% $275 unless $50,000
charged annually $35.00 20 - 25 10% of outstanding
balance
Visa Treavel Rewards
(Classic & Platinum)
0% for first 6 months,
thereafter Prime + 9.99%
to 14.99%
$55 Platinum, $20 unless
one pruchase made
annually for Classic
$35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Platinum Select Rewards
0% first 6 mo thereafter
Prime +3.99% to
12.99%for pruchases &
balance transfers.
$0.00 $35.00 20 - 25
3% of balance or
$10.00, whichever is
greater
Visa Secured
Prime + 5.99% to
14.99% for pruchases
and balance transfers.
$35.00 $35.00 20 - 25
3% 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)
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)
DESERT HILLS BANK (Cards issued through: Metavante, Detroit, MI)
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%
Legacy Bank
HARRIS TRUST BANK N. A.
HOME NATIONAL BANK (Cards issued through: First National Bank of Omaha and First National Bank of South Dakota)
JOHNSON BANK ARIZONA, NA
8
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
Visa 14.78% $0
$29 for bal less than
$500,$35 for bal
between $501-
1000,#39 for bal
greater than $1000
25
Fee plus fin chrg
plus 1% of bal,2% of
bal if there are no
fees or min of $10
Visa Gold
Prime + 7.9% (Fixed
6.9% Promo rate for 1st
6 mos.)
None $18.00 25 3% or $20.00 min.
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% - 19.99%
$0 first year, $20.00 -
$40.00/ year after $29.00 pr $38.00 20 - 25 2% or $10.00 min.
MARSHALL & ILSLEY BANK
MATRIX CAPITAL BANK, FSB
MESA BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
MERIDIAN BANK , NA (Cards issued through: Elan Financial Services, Fargo, N. D.)
9
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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.
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.
Correspondent Visa Prime + 7.9 currently
13.15% None $29.00 25 3% or $15.00
Platinum Flex Miles
5.9% until the end of 6
biling cycle After that
9.15%
$35.00 $29.00
25 No
grace cash
advances.
2% or $2
Classic Flex Miles
5.9% until the end of 6
biling cycle After that
11.15%
$35.00 $29.00
25 No
grace cash
advances.
2% or $2
Non Mileage Card
5.9% until the end of 6
biling cycle After that
13.15%
None $29.00
25 No
grace cash
advances.
2% or $2
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
year)
$29.00 25
Full amount of
balance is less than
$20.00 or 1.5% of
balance if more than
$20.00
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)
MOHAVE STATE BANK issued through:The Independent Bank of Texas
MISSION BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
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)
10
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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)
COPPER STAR BANK (Cards issued through: Elan Financial Services)
11
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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%
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 Travel 7.99% to 13.9%, 0% 1st
6 months
Membership fee;$0,
program fee; $55 $35.00 20 - 25 2%
Visa Business 0% 1st 6 months, 7.9%
to 13.9% thereafter
$0 1st yr & ever yr you
charge, otherwise $25 $35.00 20 - 25 2%
Visa Platinum Travel 5.9% 6 months, 14.74%
after
$55 travel fee, $0 annual
fee $29.00 or $38.00 20 - 25 2%
Visa Classic Travel
5.9% 1st 6 months,
thereafter 10.74% -
14.74%
$0 1st yr & every yr you
charge, otherwise $20 $29.00 or $38.00 20 - 25 2%
Visa Platinum & visa Classic
Cards
5.9% 1st 6 months,
8.74% to 14.74%
thereafter
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 5.9% 1st six months;
16.74% thereafter
None first year and every
year you
charge,otherwise $20
$29.00 - $38.00 20 – 25 2%
STEARNS BANK ARIZONA, NA (Cards issued through: Elan Financial Services, Milwaukee, WI)
SOUTHERN ARIZONA COMMUNITY BANK (Cards issued through: Elan Financial Services, Milwaukee, WI)
12
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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%
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 & 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.
THE STOCKMEN’S BANK
SUMMIT BANK (Cards issued through: The Independent Bankers Bank)
13
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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.
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)
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)
14
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
MasterCard Personal
Business, MasterCard
Platinum
12% None 5% or $10.00
(whichever is less) 25
5% or $20.00
(whichever is
greater)
Visa Platinum Prime + 6.9% (Fixed $40.00 (waived with at $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 $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
least one purchase a
year)
$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
greater)
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)
VALLEY COMMERCE BANK
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)
VALLEY FIRST COMMUNITY BANK (Cards issued through: Elan Financial Services, Waukegan, IL)
WELLS FARGO BANK, NA (Cards issued through: Wells Fargo Bank Nevada, N.A.)
15
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR %
OF UPB
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)
16
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 18.00% None $10.00 25 $20.00
Visa Gold 18.00% None $10.00 25 $20.00
Visa Premium 18.00% 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)
ALHAMBRA CREDIT UNION
ARIZONA CENTRAL CREDIT UNION
ARIZONA FEDERAL CREDIT UNION
BANNER FEDERAL CREDIT UNION
ARIZONA GROCERS CREDIT UNION
ARIZONA HOLSUM CREDIT UNION
ARIZONA STATE SAVINGS & 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)
BASHAS’ ASSOCIATES FEDERAL CREDIT UNION
COCHISE CREDIT UNION
COCONINO FEDERAL CREDIT UNION
CORPORATE AMERICA FAMILY CREDIT UNION
CREDIT UNION WEST
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)
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
Master Card Tieri 6.99% Tier 2
11.99% Tier 3 14.99% None
$15 or 5% of
payment due,
whichever is less
25
$10 or 2% of the
balance,whichever is
greater
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.
GRAND CANYON STATE CREDIT UNION
FIRST EDITION COMMUNITY 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: TNB Bank, Dallas, TX)
HUGHES FEDERAL CREDIT UNION
PIMA FEDERAL CREDIT UNION
3
NAME OF FINANCIAL
INSTITUTION APR ANNUAL FEE LATE CHARGE
GRACE
PERIOD
DAYS
MINIMUM
PAYMENT OR % OF
UPB
MasterCard Classic 12.90% None $15.00 25 2.5% or $10.00 min.
4
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)
PINAL COUNTY FEDERAL CREDIT UNION
PRESCOTT FEDERAL CREDIT UNION (Cards issued through Equifax, Florida)
PYRAMID CREDIT UNION (Cards issued through Equifax Card Services)
SAFE Q CREDIT UNION
SALT RIVER PROJECT CREDIT UNION (cards issued through MBNA/Delaware)
SAN TAN CREDIT UNION
SHAMROCK FOODS FEDERAL 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
SOUTHWEST HEALTH CARE CREDIT UNION
5
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)
MasterCard Platinum 9.50% None $20.00 25
2% or $25.00
(whichever is
greater)
MasterCard Gold 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)
SUN COUNTRY CREDIT UNION
SUN WEST FEDERAL CREDIT UNION
TEMPE SCHOOLS CREDIT UNION
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
6
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.

Description

Rating
TITLE	Credit card interest rate report 2nd quarter ending March 31, 2005
DESCRIPTION	24 pages (PDF version). File size: 186 KB
TYPE	Text
RIGHTS MANAGEMENT	Copyright to this resource is held by the creating agency and is provided here for educational purposes only. It may not be downloaded, reproduced or distributed in any format without written permission of the creating agency. Any attempt to circumvent the access controls placed on this file is a violation of United States and international copyright laws, and is subject to criminal prosecution.
DATE ORIGINAL	2005-03-31
Time Period	2000s (2000-2009)
ORIGINAL FORMAT	Born Digital
Source Identifier	BNK 1.3:C 63
Location	123552736
DIGITAL IDENTIFIER	CCIR report 2005-3-31.pdf
DIGITAL FORMAT	PDF (Portable Document Format)
REPOSITORY	Arizona State Library, Archives and Public Records--Law and Research Library.
File Size	190268 Bytes
Full Text	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 1ST Quarter Ending MARCH 31, 2005 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 + 12.5% None $29 for new bal. less than $500,$35 for bal. greater than $500,$39. for bal. $1000 & greater 25 2% or $10.00 (whichever is greater) Visa Gold Edition Greater of 13.99% or LIBOR + 12.5% None $29 for new bal. less than $500,$35 for bal. greater than $500 25 2% or $10.00 (whichever is greater) Visa Premier Edition Greater of 15.99% or LIBOR + 14% None $29 for new bal. less than $500,$35 for bal. of $500 or greater 25 2% or $10.00 (whichever is greater) Visa College Edition Greater of 15.99% or LIBOR + 14.5% None $29. for new bal. less than $500,$35 for bal. greater than $500,$39 for bal. greater then $1000 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 Greator of 11.99% or Libor +10.5% None $29 for new bal. less than $500, $35 for bal. greater than $500,$39 for bal. greater then $1000 25 2% or $15.00 (whichever is greater) Visa Business Edition Plus Greator of 11.99% or Libor 10.5% $50.00 $29 for new bal. less than $500, $35 for bal. greater than $500,$39 for bal. greater then $1000 25 2% or $10.00 (whichever is greater) Visa Secured Greater of 20.99% or LIBOR + 19.5% $20.00 $29 for new bal less than $500, $35 for balances greater than $500 $39 for bal. greater than $1000 25 5% or $15.00 (whichever is greater) Visa Executive Edition Greater of 15.99% or LIBOR + 12% None $29 for new bal less than $500, $35 for bal of $500 or greater 25 3% or $10.00 (whichever is greater) Visa Rewards Advantage Platinum Edition 14.15% None $29 for new bal less than $500, $35 for bal of $500-$999, $39 for bal over $1000 25 3% or $15.00 (whichever is greater) Visa First Airmiles Rewards Platinum Edition 14.15% $29.00 $29 for new bal less than $500, $35 for bal of $500-$999, $39 for bal over $1000 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) 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) 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 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. 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. 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 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% 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% 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 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 $38.00 20 - 25 2% of balance Cash Rewards Visa Clasic Prime + 11.99% 0$ 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 CANYON COMMUNITY BANK, NA (Cards issued through: Equifax Card Solutions, St. Petersburg, Florida) CHOICE BANK (Cards issued through: Elan Financial Services, Fargo ND) BRIDGEVIEW BANK (Cards issued through: M & I Marshall & ILsley Bank CAMELBACK COMMUNITY BANK (Cards issued through: First Tennessee Bank) COMMERCE BANK OF ARIZONA (Cards issued throught: TIB) 5 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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) Visa Classic Cash Rewards 0% for first 6 months, thereafter Prime + 5.99% to 14.9% $0 with one purchase annually, otherwise $20 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Classic 0% for first 6 months, thereafter Prime + 5.99% to 14.99% $0 with one purchase annually, otherwise $20 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Platinum 0% first 6 mo thereafter Prime +3.99% to 12.99%for pruchases & balance transfers. $0 If at least one pruchase made, otherwise $40 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Platinum Cash Rewards 0% first 6 mo thereafter Prime +3.99% to 12.99%for pruchases & balance transfers. $0 if one purchase made annually, otherwise $40 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa College Rewards Prime + 5.99% to 14.99% for pruchases and balance transfers. $0 with one purchase annually, otherwise $20 $35.00 20 - 25 3% of balance or $10.00, whichever is greater COMMUNITY FIRST NATIONAL BANK (Cards issued through: Elan Financial Services, Waukegan, Illinois) COUNTRY BANK (Cards issued through: Elan Financial Services, Illinois) 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 Young Adult Visa Prime+5.9%to 14.99% for prucheses and balance transfers. $0 with one purchase annually otherwise $20 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Business 0% first six months, thereafter Prime + 3.9% to 9.9% $0 if at least one purchase made, otherwise $25 $35.00 20 - 25 2% of balance or $10.00, whichever is greater Visa Business Travel 0% first 6 months, thereafter Prime + 3.9% to 9.9% $55.00 $35.00 20 - 25 2% of balance or $10.00, whichever is greater Visa Company Prime + 9.9% $275 unless $50,000 charged annually $35.00 20 - 25 10% of outstanding balance Visa Treavel Rewards (Classic & Platinum) 0% for first 6 months, thereafter Prime + 9.99% to 14.99% $55 Platinum, $20 unless one pruchase made annually for Classic $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Platinum Select Rewards 0% first 6 mo thereafter Prime +3.99% to 12.99%for pruchases & balance transfers. $0.00 $35.00 20 - 25 3% of balance or $10.00, whichever is greater Visa Secured Prime + 5.99% to 14.99% for pruchases and balance transfers. $35.00 $35.00 20 - 25 3% 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) 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) DESERT HILLS BANK (Cards issued through: Metavante, Detroit, MI) 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% Legacy Bank HARRIS TRUST BANK N. A. HOME NATIONAL BANK (Cards issued through: First National Bank of Omaha and First National Bank of South Dakota) JOHNSON BANK ARIZONA, NA 8 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB Visa 14.78% $0 $29 for bal less than $500,$35 for bal between $501- 1000,#39 for bal greater than $1000 25 Fee plus fin chrg plus 1% of bal,2% of bal if there are no fees or min of $10 Visa Gold Prime + 7.9% (Fixed 6.9% Promo rate for 1st 6 mos.) None $18.00 25 3% or $20.00 min. 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% - 19.99% $0 first year, $20.00 - $40.00/ year after $29.00 pr $38.00 20 - 25 2% or $10.00 min. MARSHALL & ILSLEY BANK MATRIX CAPITAL BANK, FSB MESA BANK (Cards issued through: Elan Financial Services, Waukegan, IL) MERIDIAN BANK , NA (Cards issued through: Elan Financial Services, Fargo, N. D.) 9 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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. 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. Correspondent Visa Prime + 7.9 currently 13.15% None $29.00 25 3% or $15.00 Platinum Flex Miles 5.9% until the end of 6 biling cycle After that 9.15% $35.00 $29.00 25 No grace cash advances. 2% or $2 Classic Flex Miles 5.9% until the end of 6 biling cycle After that 11.15% $35.00 $29.00 25 No grace cash advances. 2% or $2 Non Mileage Card 5.9% until the end of 6 biling cycle After that 13.15% None $29.00 25 No grace cash advances. 2% or $2 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 year) $29.00 25 Full amount of balance is less than $20.00 or 1.5% of balance if more than $20.00 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) MOHAVE STATE BANK issued through:The Independent Bank of Texas MISSION BANK (Cards issued through: Elan Financial Services, Waukegan, IL) 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) 10 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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) COPPER STAR BANK (Cards issued through: Elan Financial Services) 11 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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% 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 Travel 7.99% to 13.9%, 0% 1st 6 months Membership fee;$0, program fee; $55 $35.00 20 - 25 2% Visa Business 0% 1st 6 months, 7.9% to 13.9% thereafter $0 1st yr & ever yr you charge, otherwise $25 $35.00 20 - 25 2% Visa Platinum Travel 5.9% 6 months, 14.74% after $55 travel fee, $0 annual fee $29.00 or $38.00 20 - 25 2% Visa Classic Travel 5.9% 1st 6 months, thereafter 10.74% - 14.74% $0 1st yr & every yr you charge, otherwise $20 $29.00 or $38.00 20 - 25 2% Visa Platinum & visa Classic Cards 5.9% 1st 6 months, 8.74% to 14.74% thereafter 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 5.9% 1st six months; 16.74% thereafter None first year and every year you charge,otherwise $20 $29.00 - $38.00 20 – 25 2% STEARNS BANK ARIZONA, NA (Cards issued through: Elan Financial Services, Milwaukee, WI) SOUTHERN ARIZONA COMMUNITY BANK (Cards issued through: Elan Financial Services, Milwaukee, WI) 12 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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% 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 & 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. THE STOCKMEN’S BANK SUMMIT BANK (Cards issued through: The Independent Bankers Bank) 13 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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. 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) 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) 14 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB MasterCard Personal Business, MasterCard Platinum 12% None 5% or $10.00 (whichever is less) 25 5% or $20.00 (whichever is greater) Visa Platinum Prime + 6.9% (Fixed $40.00 (waived with at $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 $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 least one purchase a year) $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 greater) 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) VALLEY COMMERCE BANK 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) VALLEY FIRST COMMUNITY BANK (Cards issued through: Elan Financial Services, Waukegan, IL) WELLS FARGO BANK, NA (Cards issued through: Wells Fargo Bank Nevada, N.A.) 15 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB 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) 16 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 18.00% None $10.00 25 $20.00 Visa Gold 18.00% None $10.00 25 $20.00 Visa Premium 18.00% 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) ALHAMBRA CREDIT UNION ARIZONA CENTRAL CREDIT UNION ARIZONA FEDERAL CREDIT UNION BANNER FEDERAL CREDIT UNION ARIZONA GROCERS CREDIT UNION ARIZONA HOLSUM CREDIT UNION ARIZONA STATE SAVINGS & 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) BASHAS’ ASSOCIATES FEDERAL CREDIT UNION COCHISE CREDIT UNION COCONINO FEDERAL CREDIT UNION CORPORATE AMERICA FAMILY CREDIT UNION CREDIT UNION WEST 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) 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 Master Card Tieri 6.99% Tier 2 11.99% Tier 3 14.99% None $15 or 5% of payment due, whichever is less 25 $10 or 2% of the balance,whichever is greater 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. GRAND CANYON STATE CREDIT UNION FIRST EDITION COMMUNITY 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: TNB Bank, Dallas, TX) HUGHES FEDERAL CREDIT UNION PIMA FEDERAL CREDIT UNION 3 NAME OF FINANCIAL INSTITUTION APR ANNUAL FEE LATE CHARGE GRACE PERIOD DAYS MINIMUM PAYMENT OR % OF UPB MasterCard Classic 12.90% None $15.00 25 2.5% or $10.00 min. 4 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) PINAL COUNTY FEDERAL CREDIT UNION PRESCOTT FEDERAL CREDIT UNION (Cards issued through Equifax, Florida) PYRAMID CREDIT UNION (Cards issued through Equifax Card Services) SAFE Q CREDIT UNION SALT RIVER PROJECT CREDIT UNION (cards issued through MBNA/Delaware) SAN TAN CREDIT UNION SHAMROCK FOODS FEDERAL 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 SOUTHWEST HEALTH CARE CREDIT UNION 5 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) MasterCard Platinum 9.50% None $20.00 25 2% or $25.00 (whichever is greater) MasterCard Gold 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) SUN COUNTRY CREDIT UNION SUN WEST FEDERAL CREDIT UNION TEMPE SCHOOLS CREDIT UNION 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 6 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.

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Home Credit card interest rate report 2nd quarter ending March 31, 2005

Credit card interest rate report 2nd quarter ending March 31, 2005

Description