Consolidate your high-rate cards and make everyday purchases on one card that can make saving simple. Coinstack customers can apply in a branch, via phone or digitally if registered for Online or Mobile banking.
Rate, Fees and Rewards
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases |
0.00% introductory APR for 15 months. After that, your APR will be between 12.74% and 21.74%. Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers |
0.00%introductory APR for the first 15 months your account is open for all balances transferred with 90 days of account opening. After that, your APR will be between 12.74% and 21.74%. Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Cash Advances |
23.74% This APR will vary with the market based on the Prime Rate. |
| Penalty APR |
22.99% None |
| How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new purchases if you pay your entire balance in full by the due date each month. |
| Minimum Interest Charge |
None |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/learnmore . |
| Fees | |
| Annual Fee |
None |
| Transaction Fees | |
|
Balance Transfer Cash Advance Foreign Transaction |
3% of each advance ($10.00 minimum) 4% of each advance or $10.00 minimum on transactions greater than $10 None |
| Penalty Fees | |
|
Late Payment Fee Overlimit Fee Return Payment Fee |
Up to $40 None None |
Copyright @ Coinstack Bank. All Rights Reserved