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.

  Visa Visa Gold
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for purchases
  • 11.15% Variable-Rate determined by adding 7.90% to the Prime Rate*
12.90% Fixed
APR for Cash Advances
  • 11.15% Variable-Rate determined by adding 7.90% to the Prime Rate*
12.90% Fixed
Penalty APR and When it Applies
  • None
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 - $21.00

 Other Fees

  •  Pay by Phone$6.00

*The prime rate used to determine your APR is the rate published in the Wall Street Journal on the first day of the prior month.
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.