Talk to one of our friendly loan officers about your options to purchase a new home or refinance your existing home. With great rates and low down payments, we have loan programs to fit just about every need.
To Access Your Credit Card Account 
To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board for more information.
| Interest Rate and Interest Charges | Classic |
| Annual Percentage Rate (APR) for Purchases | 4.99% introductory APR for the first six months. After that, your APR will be 15.9% |
| Annual Percentage Rate (APR) for Balance Transfers | 4.99% introductory APR for the first six months. After that, your APR will be 15.9% |
| Annual Percentage Rate (APR) for Cash Advances | 19.9%, after six month introductory APR of 4.99% |
| 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 and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
| 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 http://www.consumerfinance.gov/learnmore |
| Transaction Fees | Classic |
| Cash Advance | $5.00 or 3% of the amount of each cash advance, whichever is greater |
| Balance Transfer | None |
| Expedited Payment | $10.00 |
| Penalty Fees | Classic |
| Late Payment | Minimum payment due or $25, whichever is less, assessed on day of next statement billing |
| Returned Payment | Minimum payment due or $25, whichever is less |
How We Will Calculate Your Balance: We use a method called Average Daily Balance
(including new purchases). See your account terms and conditions for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided in your account terms and conditions.
Revised: July 2012.
| Interest Rate and Interest Charges | Platinum |
| Annual Percentage Rate (APR) for Purchases | 4.99% introductory APR for the first six months. After that, your APR will be 9.15% This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Balance Transfers | 4.99% introductory APR for the first six months. After that, your APR will be 9.15% This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Cash Advances | 19.9%, after six month introductory APR of 4.99% |
| 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 and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $0.50. |
| 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 http://www.consumerfinance.gov/learnmore |
| Transaction Fees | Platinum |
| Cash Advance | Either $5 or 3% of the amount of each cash advance, whichever is greater. |
| Balance Transfer | None |
| Expedited Payment | $10.00 |
| Penalty Fees | Platinum |
| Late Payment | Minimum payment due or $25, whichever is less, assessed on day of next statement billing |
| Returned Payment | Minimum payment due or $25, whichever is less |
How We Will Calculate Your Balance: We use a method called Average Daily Balance (including new purchases). See your account terms and conditions for more details.
Variable Rate Information: The APR is determined using the Prime Rate published in the
Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and
becomes effective with the finance charge calculation on the following calendar month’s
statement. APRs are current as of 4/1/13 using a Prime Rate of 3.25%.
Billing Rights: Information on your rights to dispute transactions and how to exercise those
rights is provided in your account terms and conditions.
Revised: April 2013.
We use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account terms and conditions.
The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement.
Have additional questions? Contact us at 800-542-5004 or:
Browse Favor Credit Card Glossary
If your Vinton County National Bank Favor Credit Card is lost or stolen, please call one of the following numbers:
1-800-542-5004 (Regular business hours.) or
1-800-299-9842 (Evenings, weekends or holidays.)
The Vinton County National Bank is an Equal Housing Lender and Member FDIC.
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