Visa® Credit Card Disclosures

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Introductory Period Annual Percentage Rate (APR) for purchases, balance transfers and cash advances A fixed 0% APR for six months from the date account is open (1)
Annual Percentage Rate (APR) for purchases and balance transfers after the introductory period

Visa® Classic ScoreCard 9.99% (2,3)
Visa® Platinum ScoreCard-Merchandise 9.99% (2,3)
Visa® Platinum ScoreCard-Cash Back 9.99% (2,3)

Cash Advance APR 14.99% (3)
Method of Computing Balance for Purchases Average daily balance including new purchases
How to Avoid Paying Interest on Purchases The account balance is paid in full within 25 days after the statement closing date (3,4)
Minimum Finance Charge None (4)
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 website of the Consumer Financial Protection Bureau at
Annual Membership Fee

Visa® ScoreCard-Merchandise: None
Visa® ScoreCard-Cash Back: $30

Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

1% of the converted transaction amount
Penalty Fees
• Late Payment
• Over-the-Credit Limit
• Returned Payment

$7.80 or 5%, whichever is greater

Other Fees Replacement Card Fee: $10 if card is replaced more than once in any 12 month period
Expedited Card Delivery Fee: $20

These Account Terms are true as of 11/1/16. Terms are subject to change. Should you have any questions regarding changes after printing date, please contact us.

How We Will Calculate Your Balance: 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.

(1) INTRODUCTORY INTEREST RATE (for new purchases, balance transfers and cash advances) — From the account-opening date, the introductory interest rate will be 0% APR FIXED FOR SIX MONTHS. Thereafter the rate will be the APR disclosed in the above “ACCOUNT TERMS" for the type of Visa credit card you obtain, based on the terms and conditions in the application. See full details of Account conditions and terms in the Bank Credit Card Agreement (“Agreement”) provided separately from the application and/or credit card at account opening.

(2) Visa ®  Classic ScoreCard, Visa Platinum ScoreCard-Merchandise and Visa Platinum ScoreCard-Cash Back are subject to a F/C of .83%, which is equal to an APR of 9.99%.

(3) WHEN INTEREST RATES BEGIN TO ACCRUE. All cash advances are subject to a FINANCE CHARGE from the date of the cash advance. 

(4)  How We Will Calculate Your Balance — Purchases are subject to a finance charge from the date they are posted to the account; however, no interest is imposed on purchases if the account balance is paid in full within 25 days after the statement closing date. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.

(5) ScoreCard(SM) Bonus Point Program
Complete ScoreCard Bonus Point Program rules will be sent with your first statement. Rewards begin to accumulate after you have received and activated your new card. Points accrued will expire five years after they are earned. March 31 is the expiration date for points not redeemed within the previous five year period. For example, if a purchase is made November 11, 2015, the points will not expire until March 31, 2021.

Changes: We may add, change, or delete any of the terms of your account and the corresponding Credit Card Agreement (including, but not limited to, Annual Percentage Rate and other significant changes) in accordance with the agreement and applicable laws.

Important Information About Opening an Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents. We do not pull a credit report as part of our deposit account opening process. A credit report will only be pulled if you complete a separate application for a credit product.

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Your personal information
Your current employer
Applicant Income Information
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Personal information
Current employer
Income Information
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Your Credit Needs

There are costs associated with the use of credit cards. Contact us to request specific information at
102 E 3rd St., Winona, MN 55987-3416
Telephone: (507) 457-1100 or
Toll free: (800) 944-6285

Current Monthly Payments

Credit Cards

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Financial References

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The above information is given to obtain credit privileges. I (we) hereby authorize the obtaining of information concerning any statement made herein including checking my credit history. If you are approved for credit, you will receive a Card Agreement (“Agreement”) with your card. The Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account. We may change the Agreement at any time in accordance with applicable law and the terms of the Agreement. Signers shall be jointly and severally liable. All credit will be reported as indicated by signatures.


The Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

We appreciate your business and will be in contact with you as soon as your application is processed!

Thank your for your application! We will be in touch with you soon.