The following are terms and conditions relating to the VISA Card service, and are provided to VISA Card issuers.

This document does not constitute legal advice to issuers or any other party from VISA or its counsel. VISA Card makes no representation or warranty regarding the effect of this language under federal law or the laws of any state. The following may not represent a complete list of terms and conditions or content necessary or advisable for Members. These provisions would affect the issuer's legal rights and responsibilities.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases

14.90% Variable-Rate determined by adding 7.90% to the Prime Rate*

APR for Cash Advances

14.90% Variable-Rate determined by adding 7.90% to the Prime Rate*

Penalty APR and When it Applies


Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date. We do not offer balance transfers.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
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 web site of the Consumer Financial Protection Bureau at
Annual Fee

$35.00 - Waived if applicant has an account with First National Bank.

Transaction Fees

  • Cash Advances - $2.00 or 2.0% of the amount advanced.
  • Foreign Transactions - 1.0%

Penalty Fees

  • Late Payment - If the minimum required payment is not received within 7 days after the closing date subsequent to the payment due date, a late payment fee of $25.00 will be imposed.
  • Over-the-Credit-Limit - None
  • Returned Payment - $25.00

Other Fees

Pay by Phone - $6.00