Popular - Personal

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	1.99% introductory APR for the first 6 months. After that, your APR will be from 10.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate¹.
APR for Balance Transfers	1.99% introductory APR for 6 months from the transfer date (for transfers made within the first 6 months from account opening). After that, your APR will be from 10.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate¹.
APR for Cash Advances	18.24% to 23.99% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate1.¹
Penalty APR and when it Applies	29.99% This APR may be applied to your account if you miss a required minimum payment for a period of sixty (60) consecutive days from its due date. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty Rate will remain in effect until the account becomes current and 6 consecutive minimum payments are received on or before the payment due date.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. No Interest on purchases will be imposed for billing periods in which there is no previous balance and if the total account balance including new purchases is paid or credited in full on or before the payment due date or if the balance owed relates to offers that specified so. The Interests imposed on cash advances, balance transfers from other institutions and convenience checks will be imposed from the date on which the transaction was conducted.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Fees
Annual Fee	$0 Annual Fee $0 Additional Card Fee (If applicable)
Transaction Fees • Cash Advances and Convenience Checks • Balance Transfers • Foreign Transaction	2% of the amount of each transaction (minimum $2; maximum $10) 2% of the amount of each transfer (minimum $2; maximum $10) 1% of each transaction in U.S. dollars for Visa 1.4% of each transaction in U.S. dollars for MasterCard 2% of each transaction in U.S. dollars for American Express
Penalty Fees • Returned Payment • Late Payment	Up to $10 Up to $39

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Loss of Introductory APR: We may end your introductory APR and apply the Purchases APR if you close your account or if you miss a payment.

¹ For each billing period, the Interest Charge and the APR will be based on the Prime Rate published in The Wall Street Journal three business days prior to your account statement closing date. The variable rates illustrated are based on a Prime Rate of 3.25% in effect since December 17, 2008.