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Protect Your First Financial Cards

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

9.90% to 18.00%1

Fixed Rate
Based on your creditworthiness.
APR for Balance Transfers

9.90% to 18.00%1

Fixed Rate
Based on your creditworthiness
APR for Cash Advances

9.90% to 18.00%1

Fixed Rate
Based on your creditworthiness
Penalty APR When It Applies
N/A
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.
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:
www.consumerfinance.gov/learnmore/

Fees

Annual Fee None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
None
4.00% per transaction with a minimum of $5.00
None
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
Up to $15.00 (15 day grace period)
None
Up to $35.00
Other Fees Please refer to the Schedule of Fees for a complete listing
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

View Complete Platinum Visa Credit Card Agreement

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All loans are subject to credit approval and all First Financial policies and procedures. Terms and conditions subject to change.
1The rate you will receive depends on your credit history. Other terms and conditions may apply.
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.
"Your eBranch Representative is a gem! Professional, listens to the needs of the buyer and made the experience pain-free!"
Patricia N.
Member Since 2000
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