DISCLOSURE

The information about the costs of the card described is accurate as of December 2018. This information may have changed after that date. To find out what may have changed, call us at 1-800-356-8085, write to us at PO Box 6139, Norman, OK 73070 or go to www.securitybankcard.com.

Personal Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances

4.9% introductory APR for 6 months.


After that, your APR will be 21.00% for standard VISA® accounts 17.15% for VISA® Gold accounts; or 14.15% for VISA® Platinum accounts. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

None

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.


Personal Card Fees

Annual Fee

None

Transaction Fees


  • Balance Transfer

None

  • Cash Advance

Either $4 or 4% of the amount of each cash advance, whichever is greater

  • Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees


  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

$20

$25

$25

Other Fees


None


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.


Commercial Card Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances

0.0% introductory APR for 6 months.


Thereafter, 12.24% variable for Elite VISA® accounts or 16.24% variable for Premier VISA® accounts.

Grace Period for Repayment of Balances for Purchases

You have 25 days on average to repay your balance before a Finance Charge will be posted.

Method of Computing the Balance for Purchases

Average Daily Balance Method (including current transactions).

Variable Rate Information for Commercial VISA Accounts

Your APR may vary. The non-introductory rate for purchases, cash advances and balance transfers is determined monthly by adding 6.99% Elite VISA® accounts or 10.99% for Premier VISA® accounts to the highest U.S. Prime Rate published in the Wall Street Journal on the 10th day (or prior business day) of the prior month. Currently12.24% for Elite VISA® Card and16.24% for Premier VISA® Card. Maximum APR of 21%.


Commercial Card Fees

Annual Fee

None

Transaction Fees for Purchases

None

Minimum Finance Charge

None

Fees for Paying Late

$29

Fees for Exceeding Credit Limit

$29

Fees for Returned Payment Transaction

$29


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Cardholder Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

* Your application is a request for an account with either Elite or Premier Pricing. We will first consider you for the pricing with the lowest rates. We determine your APR based on a review of your application and credit history.

You must be at least 18 years of age to apply, and you must reside in the United States.

VISA® is a federally registered service mark of VISA U.S.A. Inc, used pursuant to license.