Visa® Credit Card

Interest Rates and Interest ChargesRates Effective: 11/1/2018

SPIRE Visa Platinum Credit Card10.90-17.99% APR*
SPIRE Visa Signature Credit Card14.90-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.

*Annual Percentage Rate. Your rate is based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

We use a method called "average daily balance (including new purchases)."

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

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay the balance by the due date each month.

The information about the cost of the card described in the application is accurate as of January 19, 2018. This information may have changed after that date. To find out what may have changed, call us at 651.215.3500 or write us at 2025 Larpenteur Ave W., Falcon Heights, MN 55113

See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for more information.

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 http://www.consumerfinance.gov/learnmore.

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