RiverTrace will be closed on Friday, November 10 in observance of Veterans Day.

Credit Card

Platinum VISA® Terms & Conditions effective as of October 16, 2018

Interest Rates and Interest ChargesVISA® Platinum
with Credit Score of 680+
VISA® Platinum
with Credit Score of 679-640
VISA® Platinum
with Credit Score of 639 and below
Annual Percentage Rate (APR) for Purchases
8.75%
Fixed
10.99%
Fixed
12.99%
Fixed
APR for Balance Transfers11.75%
Fixed
13.99%
Fixed
15.99%
Fixed
APR for Cash Advances
11.75%
Fixed
13.99%
Fixed
15.99%
Fixed
Penalty APR and When it AppliesNone
Paying Interest
Your due date is at least 26 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances and/or balance transfers on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $0.00
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at //www.consumerfinance.gov/learnmore.
FeesVISA® Platinum
with Credit Score of 680+
VISA® Platinum
with Credit Score of 679-640
VISA® Platinum
with Credit Score of 639 and below
Annual FeeNoneNoneNone
Transaction Fee
• Balance Transfer
• Cash Advances
• Foreign Transaction
None
ATM flat $3.00, over the counter 2%
.8% single currency transaction, 1% multi-currency transaction
Penalty Fee
• Late Payment
• Over-the-Credit Limit
• Returned Payment
$25.00 flat fee
None
$25.00 flat fee
Other Fees
Rush Card Fee
$50.00 flat fee

 

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

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

Terms & Conditions effective as of October 16, 2018. For additional information on terms and rates, please call us at 800-230-7367.

If you're not a member yet, let RiverTrace help you Chart Your Path. It's easy to enroll and we can take care of it for you when you open an account or apply for a loan.

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Lobby Hours:

Monday-Wednesday: 9:00 - 5:00

Thursday: 10:00 - 5:00

Friday: 9:00 - 5:00

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