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Interest Rate Information
Credit Card Survey
Target Financial Services
Target Financial Services P.O. Box 1581,
Minneapolis, MN 55440
Visa Personal Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
12.90% F |
|
APR Cash Advance |
21.90% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
3%/$5 min |
| Late Payment Fee |
$35.00 |
|
|
|
| Over the Limit Fee |
$0.00 |
|
|
|
| Restrictions |
APR may vary depending
on creditworthiness. Apply only online or at store. APR will be
9.90%, 12.90%, 15.90% or 18.90%. |
Teachers FCU
Teachers FCU P.O. Box 9029, Farmingville,
NY 11738 631-698-7000
Visa CrdtUnion Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
10.56% F |
|
APR Cash Advance |
10.56% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$10.00 |
|
|
|
| Over the Limit Fee |
$0.00 |
|
|
|
| Restrictions |
Low Rate Visa. Available
to members only. |
Teachers FCU P.O. Box 9029, Farmingville,
NY 11738 631-698-7000
Visa CrdtUnion Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
12.84% F |
|
APR Cash Advance |
12.84% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$10.00 |
|
|
|
| Over the Limit Fee |
$0.00 |
|
|
|
| Restrictions |
Visa Cash Bank Card.
Members automatically earn up to 1% cash back on all purchases.
Available to members only. |
Teachers FCU P.O. Box 9029, Farmingville,
NY 11738 631-698-7000
Visa CrdtUnion Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
11.28% F |
|
APR Cash Advance |
11.28% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$10.00 |
|
|
|
| Over the Limit Fee |
$0.00 |
|
|
|
| Restrictions |
Available to members
only. |
Teachers FCU P.O. Box 9029, Farmingville,
NY 11738 631-698-7000
Visa Secured Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
7.20% F |
|
APR Cash Advance |
7.20% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$10.00 |
|
|
|
| Over the Limit Fee |
$0.00 |
|
|
|
| Restrictions |
Secured card. Minimum
deposit: $500; credit line is equal to deposit. Available to
members only. |
The Bank of New York
The Bank of New York PO Box 15918,
Wilmington, DE 19850 800-449-7838
MasterCard Personal Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
14.99% V |
|
APR Cash Advance |
22.99% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
3%/$10 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
APR and Intro rates may
vary depending upon creditworthiness. The minimum gross annual
income required for an account is $14,400. |
Tioga State Bank
Tioga State Bank 1 Main Street, Spencer,
NY 14883 607-589-7600
Visa Personal Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
15.74% V |
|
APR Cash Advance |
22.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$40.00 |
|
Cash Fee |
4%/$5 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
APR may vary depending
upon creditworthiness. Annual fee waived the first year and each
year when at least one purchase is made. |
Tioga State Bank 1 Main Street, Spencer,
NY 14883 607-589-7600
Visa Rebate Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
15.74% V |
|
APR Cash Advance |
22.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$40.00 |
|
Cash Fee |
4%/$5 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
Cash-Credit: Earn up to
1% on purchases. Reward is based on annual credit purchases and is
tiered. The monthly cap and annual cash rewards cap is $350. APR
may vary depending upon creditworthiness. Annual fee waived the
first year and each year when at least one purchase is made. |
Tioga State Bank 1 Main Street, Spencer,
NY 14883 607-589-7600
Visa Rebate Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
15.74% V |
|
APR Cash Advance |
22.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$55.00 |
|
Cash Fee |
4%/$5 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
Travel: Earn 1 reward
point for each dollar in purchases. Receive 2,500 points upon
enrollment. Points can be redemed for Airline tickets,
merchandise, certificates, hotels, car rentals and more. APR may
vary depending upon creditworthiness. |
Tioga State Bank 1 Main Street, Spencer,
NY 14883 607-589-7600
Visa Secured Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
22.24% V |
|
APR Cash Advance |
22.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$35.00 |
|
Cash Fee |
4%/$5 min |
| Late Payment Fee |
$35.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
Available to residents
of Tioga County and surrounding area. |
Tioga State Bank 1 Main Street, Spencer,
NY 14883 607-589-7600
Visa Student Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
17.74% V |
|
APR Cash Advance |
22.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$20.00 |
|
Cash Fee |
4%/$5 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
APR may vary depending
upon creditworthiness. Annual fee waived the first year and each
year when at least one purchase is made. |
Tompkins Trust Company
Tompkins Trust Company The Commons,
Ithaca, NY 14850 607-273-3210
Visa Personal Classic
| Purchases |
|
Cash Advance |
| APR Purchases |
14.90% F |
|
APR Cash Advance |
14.90% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$20.00 |
|
Cash Fee |
2%/$2-$10 |
| Late Payment Fee |
$20.00 |
|
|
|
| Over the Limit Fee |
$20.00 |
|
|
|
| Restrictions |
Annual fee waived with a
checking or savings account. APR may vary depending upon
creditworthiness. |
Tompkins Trust Company The Commons,
Ithaca, NY 14850 607-273-3210
Visa Personal Gold
| Purchases |
|
Cash Advance |
| APR Purchases |
11.50% V |
|
APR Cash Advance |
11.50% V |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$40.00 |
|
Cash Fee |
2%/$2-$10 |
| Late Payment Fee |
$20.00 |
|
|
|
| Over the Limit Fee |
$20.00 |
|
|
|
| Restrictions |
Annual fee waived with a
checking or savings account. APR may vary depending upon
creditworthiness. |
Toys "R" Us Visa Platinum Card
from Chase
Toys "R" Us Visa Platinum Card
from Chase 2 Chase Manhattan Plaza, 21st Floor, New York, NY 19850
Visa Rebate Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
17.24% V |
|
APR Cash Advance |
27.24% V |
| Grace Period |
20 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
3%/$10 min |
| Late Payment Fee |
$39.00 |
|
|
|
| Over the Limit Fee |
$35.00 |
|
|
|
| Restrictions |
Merchandise: Earn a 4%
rebate on every purchase made at Toys"R"Us and
Babies"R"Us stores. Earn 1% rebate on all other
purchases. APRs and Intro offer may vary depending upon
creditworthiness. The minimum gross annual income required for an
account is $14,400. |
TrustCo Bank
TrustCo Bank 320 State Street,
Schenectady, NY 12305 518-377-3311
MasterCard Personal Standard
| Purchases |
|
Cash Advance |
| APR Purchases |
12.90% F |
|
APR Cash Advance |
12.90% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$29.00 |
|
|
|
| Over the Limit Fee |
$29.00 |
|
|
|
| Restrictions |
Banking area only. |
TrustCo Bank 320 State Street,
Schenectady, NY 12305 518-377-3311
MasterCard Secured Standard
| Purchases |
|
Cash Advance |
| APR Purchases |
21.90% F |
|
APR Cash Advance |
21.90% F |
| Grace Period |
no grace period |
|
GracePeriod |
no grace period |
| Annual Fee |
$25.00 |
|
Cash Fee |
0 |
| Late Payment Fee |
$29.00 |
|
|
|
| Over the Limit Fee |
$29.00 |
|
|
|
| Restrictions |
Minimum deposit: $500;
maximum $5,000. Credit limit is equal to deposit. Banking area
only. |
TrustCo Bank 320 State Street,
Schenectady, NY 12305 518-377-3311
Visa Personal Platinum
| Purchases |
|
Cash Advance |
| APR Purchases |
9.90% F |
|
APR Cash Advance |
9.90% F |
| Grace Period |
25 Days from billing |
|
Grace Period |
no grace period |
| Annual Fee |
$ 0.00 |
|
Cash Fee |
$0 |
| Late Payment Fee |
$29.00 |
|
|
|
| Over the Limit Fee |
$29.00 |
|
|
|
| Restrictions |
Banking area only. |
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