3.25% APR for the first 12 months
9.25% - 18.00% APR
How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year. We take that Prime Rate and add your variable rate margin (6.00%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January). If the Prime Rate has not changed, your rate will not change. Your rate can not change more than once per year, and it cannot exceed 18.00% APR.
$1000 to $50,000
Will my Card be EMV Chip and PIN Enabled?
Can I select my own PIN number (or change it)?
Earn 1 point per $1.00 spent
$99.00, waived for the first year
Balance Transfer Fees
Foreign Transaction Fees
1.00% of each transaction (in US Dollars)
Additionally, if the account goes past due 60 days or more, a penalty rate of 17.99% APR will apply to the outstanding balance, until 6 consecutive payments are made on time.
What are my options for making my payment?
- Make payments from your Andrews savings or checking account online or in mobile banking
- Schedule recurring payments from your Andrews or other bank account
- Make payments at any branch location
- Mail your payments