Credit Card Application
Let us know what type of card and benefits you are looking for and we'll get it processed and you'll hear from us soon!
Earthmover's Student Visa helps ease you into good credit habits without the risk of too much debt. Whether you are in high school or college you can begin establishing a credit history with our Student Visa. Start with a small credit limit and probably a parent to co-sign -- definitely a parent to co-sign if you are under 18.
How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
|Interest Rates and Charges||Description|
|Annual Percentage Rate (APR) for Purchases||8.00%|
|APR for Balance Transfers||8.00%|
|APR for Cash Advances||8.00%|
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.|
|Minimum Interest Charge||None|
|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 at www.consumerfinance.gov/learnmore.|
|Types of Fees||Description|
|- Balance Transfer||None|
|- Cash Advance||None|
|- Foreign Transaction||1% of the amount of each transaction in U.S. dollars|
|- Late Payment||$25 After 10 Days or not more than the minimum payment|
|- Over-the-Credit Limit||None|
|- Returned Payment||$25|
We will calculate your balance using a method called "average daily balance (including new purchases)" This information is accurate as of 12/1/13 and is subject to change. Contact us by phone at (217) 875-2301, or if Outside Decatur 1 (800) 542-6474, or by mail at PO Box 2515, Decatur, IL 62525 for changes.
A checking account that rewards you for deepening your relationship with us. Because who doesn't love rewards?
We have you covered through every stage of life, throughout your time in school and beyond!