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News and Advice
Current Interest Rates
- Update: 05-22-2012
- 12.65% National Average
- 12.88% Low Interest
- 23.00% Reward
- 12.99% Student
- 12.99% Bad Credit
- 17.33% Business
- 14.49% Cash Back
- 14.49% Instant Approval
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Orchard Bank Classic MasterCards-
- Variable Purchase and Balance Transfer APR: 7.90% - 19.90%*
- Processing Fee: $0 - $39, based on creditworthiness
- Annual Fee: $0-$60 the first year: $35-$79 per year thereafter, based on creditworthiness
- Late Fee: Up to $35
- Over the Credit Limit Fee: Up to $25
- Default APR must now be listed as Penalty APR
Variable Purchase and Balance Transfer APR: 7.90% - 19.90%* Processing Fee: $0 - $39, based on creditworthiness Annual Fee: $0-$60 the first year: $35-$79 per year thereafter, based on creditworthiness Late Fee: Up to $35 Over the Credit Limit Fee: Up to $25 Default APR must now be listed as Penalty APR Tell your friendGeneral
Annual Fee: $0 - $59 the first year, and $35 - $59 per year thereafter, based on creditworthiness
Credit Quality: Fair Credit
Purchases
Intro APR: N/A
Intro APR Period: N/A
Regular APR: 7.90% - 28.90%
Transfers
Balance Transfer: Yes
Intro APR: N/A
Intro APR Period: N/A
Regular APR: 7.90% - 28.90%
Transfer Fee: 5% or $5 minimum
Rewards
Reward Type: N/A
Reward Bonus: N/A
Reward Details:
- N/A
Penalties
Max Late Fee: $30 if balance is less than or equal to $1000; $35 if balance is more than $1000
Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250
Variable Penalty APR: 29.49%
Cash
Cash APR: 20.90%
Cash Advance Fee: 5% or $5 minimum
Other
Additional Info:
- N/A
One-time Setup Fee: N/A
Foreign Transaction Fee: 3%
Grace Period: N/A
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