The creditor and issuer of this credit card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Visa CommUNITY Card: The APR may vary and as of 08/08/14, the variable APR for Purchases and Balance Transfers is 13.99%. The variable APR for Cash Advances is 23.99%. Annual fee is $0. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum interest charge where interest is due. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your payments to balances with lower APRs first. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.