• Start with Zero...End with Savings
Home   >   Personal   >   Start with Zero

Start with Zero…END WITH SAVINGS

Holiday Credit Card Offer

Let us help make the holiday season merry and bright this year with our holiday credit card offer! Whether you want to save on interest or pay down debt… this offer is sure to help get you in the holiday spirit.

With the Mastercard® Platinum Card you can enjoy a low 0% introductory APR for 15 billing cycles!*

Apply before December 31, 2018 at one of our branches or by calling us at 888.528.2595, to take advantage of an extended introductory period to enjoy a special 0% introductory APR for 20 billing cycles!**

  • Transfer balances from other higher rate credit cards*
  • Make purchases with no interest for 15* or 20 months**
  • No annual fee*

Thereafter, a variable APR, currently 13.99%-22.99% will apply.*

*The 0% introductory APR applies to Purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to Balance Transfers made within 465 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/20/18, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%-22.99% (based on your creditworthiness). The variable APR for Cash Advances is 25.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. This offer is valid only for new Mastercard Platinum consumer card accounts with this Financial Institution. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard. ©2018 Elan Financial Services. All rights reserved.

**The 0% introductory APR applies to Purchases and is valid for the first 20 billing cycles. The 0% introductory APR applies to Balance Transfers made within 620 days of account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/20/18, the undiscounted variable APR for Purchases and Balance Transfers is 13.74%-22.74% (based on your creditworthiness). The variable APR for Cash Advances is 25.74%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. **Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. This offer is valid only for new Mastercard Platinum consumer card accounts with this Financial Institution and the application must be submitted online between October 1, 2018, and December 31, 2018, through a branch office or call center. Offer is not valid on paper applications. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard. ©2018 Elan Financial Services. All rights reserved.