Get Ahead of the Learning Curve

The sooner you are able to handle credit the better your financial life will be.

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.

  • Credit Limits of $250 to $2,000
  • No Annual Fee
  • 25-day grace period on purchases
  • Minimum payment is 2% of the balance or $10, whichever is greater
  • $200,000 Travel Accident Insurance when tickets are purchased with the card.
  • Auto Rental Coverage - Reimbursement for damage due to collision or theft of most rental vehicles paid for with the card. (only pays if you don't purchase the rental company's insurance)
  • Acceptance around the world
  • Cash advances for quick funds
  • Monthly statements for simple record-keeping
  • eStatements and online account access

VISA PLATINUM CARD HOLDER AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE STATEMENT

FYI

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 INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 8.00%
APR for Balance Transfers 8.00%
APR for Cash Advances 8.00%
Penalty APR None
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.
FEES
Annual Fee None
Transaction Fees
- Balance Transfer None
- Cash Advance None
- Foreign Transaction 1% of the amount of each transaction in U.S. dollars
Penalty Fees
- 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.

Emerald Checking

A checking account that rewards you for deepening your relationship with us. Because who doesn't love rewards?

Student Loans

We have you covered through every stage of life, throughout your time in school and beyond!

Spare Change Round Up

We'll round up your debit card purchases to the nearest dollar and deposit the money in the savings of your choice. Save without even trying!