Credit Card

Transaction Type APR Annual Fee
For Purchases 8.00% Vermont Based Rate1
or 12.00% Standard Rate2
For Cash Advances 12.00% Standard Rate2 None
For Balance Transfers 8.00% Vermont Based Rate None
APR = Annual Percentage Rate and is effective as of 1/1/2018. See VERMONT Platinum Credit Card Agreement for additional disclosures.

1 The Vermont Based Rate is contingent on, and applies to purchases identified by the state code used by the merchant’s processing system. All transactions processed by merchants with a Vermont state code will receive the Vermont Based Rate.

2 The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 3.25% for the Vermont Based Rate and 7.25% for the Standard Rate.