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FRAUD ALERT:  Members have reported receiving phone calls from scammers acting as our Fraud Department, asking for card numbers, PIN numbers, and secure access codes. As a reminder, we will NEVER ask you for this information. If you’re in doubt, hang up and call us at 540-663-2181.

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Important Credit Card Disclosures

The following disclosure represents important details concerning your Credit Card. The information about costs of the Card are accurate as of the effective date of June 1, 2021. You can call us at (540) 663-2181 or write us at P.O. Box 966, Dahlgren, Virginia 22448 to inquire if any changes have occurred since the effective date.

Interest Rate and Interest Charges:

Type of Interest Rate Interest Rate or Charges
Annual Percentage Rate (APR) For Purchases

Visa Preferred: 7.90%

Visa: 9.90%

Visa with Cash Back: 13.49%

Secured Visa: 9.72%

Annual Percentage Rate (APR) For Balance Transfers

Visa Preferred: 7.90%

Visa: 9.90%

Visa with Cash Back: 13.49%

Secured Visa: 9.72%

Annual Percentage Rate (APR) For Cash Advances

Visa Preferred: 7.90%

Visa: 9.90%

Visa with Cash Back: 13.49%

Secured Visa: 9.72%

How to Avoid Paying Interest on Purchases We will not charge you interest on purchases if you pay your entire balanced owed each month within 25 days of your statement closing date.
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.


Type of Fee(s) Fee

Transaction Fees

- Foreign Transaction

1.00% of each foreign currency transaction.

0.80% of each U.S dollar transaction.

- Balance Transfer Fee 3% of the balance transfer total or $5.00, whichever is greater
- Overdraft Transfer $7.50

Penalty Fees

- Late Payment

- Returned Payment


Up to $20.00

Up to $20.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your Account Agreement for details.