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(936) 632-7691     (936) 632-8829     900 Pershing Avenue, Lufkin, TX 75904     NMLS #466088     Routing #313186103 Get the Mobile App!   iTunes   Google


Loan Rates Share Rates Share Certificates Fee Schedule Credit Card Rates and Fees

Effective as of: 8/25/2021
MasterCard Credit Cards
Choose the Plan that Works for You
Annual Percentage Rate (rates fixed)10.9% 8.9%
Other APR (cash advance 10.9% 8.9%
Grace Period for Purchases25 Days25 Days
Method of Computing BalanceAverage Daily BalanceAverage Daily Balance
Annual Membership Fee NONE NONE
Minimum Finance Charge NONE NONE
Foreign Transaction Fee 1% of transaction amount 1% of transaction amount
Balance Transfer Fee NONE NONE
Late Payment Fee10% of the past due date*10% of the past due date*
Over-the-Credit-Limit FeeNONENONE
*If ten (10) or more days late. Late payments and over-limit transactions violate your account agreement. However, the fee will not exceed $20.00.
Periodic Rates
Standard: The Purchase and Cash Advance Annual Percentage Rate is 10.90%, which is a daily periodic rate of 0.0299%.
Platinum: The Purchase and Cash Advance Annual Percentage Rate is 8.90%, which is a daily periodic rate of 0.0244%.
Other Fees Include
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee (2 day delivery): $27.50
Rush Fee (Overnight delivery): $55.00
Collection Fees: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney’s fees

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