Excellent Choice…
VISA or
MasterCard---choose the card you prefer. Both of our programs feature
the same great features and benefits!
Excellent Rates!
Both cards
feature a low 8.90% Annual Percentage Rate (APR) on purchases and on balance
transfers for the first six months from the date your account is opened.*
*Afterward, your savings continue with a regular fixed rate of 13.85% APR on all purchases, cash advances and balance transfers.
Excellent fees…
You can
say “goodbye” to annual cardholder fees because there are none
with a WCSB VISA or MasterCard!
Excellent grace
period, too!
You’ll
also benefit from a full 25-day interest-free grace period on all purchases
made with your card.
Excellent idea:
apply today!
Now is
a great time for you to begin enjoying the great benefits of a WCSB
VISA
or MasterCard. You can apply by downloading the
application today, or stop
by and ask for an application!
You will need Adobe
Acrobat Reader to view and print the application. If you do not have
Adobe you can click the Adobe Icon below to download a free
copy of it. 
| Annual Percentage Rate | For
Purchase and Balance Transfers: 8.90% Introductory Annual Percentage Rate for the first six months (180 days) following the date of account opening, and the regular Annual Percentage Rate of 13.85% thereafter For Cash Advances: 13.85% regular Annual Percentage Rate. |
| Grace Period for the Repayment of Balances | For
Purchases and Balance Transfers: You have 25 days after the end of
a billing cycle to repay your balance in full before a finance charge
on purchases will be imposed. For Cash Advances: None |
| Balance Computation Method | Average Daily Balance (including current transactions). |
| Annual Fees | None |
| Minimum Finance Charge | $.50, applicable only during billing cycles when a finance charge accrues. |
| Transaction Fee for purchases | None |
| Transaction Fee for Cash Advances | Transaction
Fee For Cash Advances: 2% of transaction amount, $2.00 minimum and
$10.00 maximum. Late Payment Fee: $10.00 Over-The-Credit Limit Fee: $10.00 |
Additional Fees: Returned Check Fee: $10.00. Balance Transfer Fee: None.
Illinois Residents Only: Residents of Illinois may contact the Illinois Commissioner of Banks and Trust companies for comparative information on interest rates, charges, fees and grace periods. State of Illinois-CIP, P.O. Box 10181, Springfield, Illinois 62791, telephone (800) 634-5452.
The information above is current as of December 1, 2007, and is subject to change. To find out if changes have occurred since this date, you may write to us at P.O. Box 517 Washington, IA 52353. VISA and MasterCard and the VISA and MasterCard logos are registered trade names and trademarks of VISA International Services, Incorporated and MasterCard International, Incorporated, respectively. Cards are issued on our behalf by our affiliate, Central State Bank, Muscatine, Iowa. West Chester Savings Bank and Central State Bank are Equal Opportunity Lenders and Members FDIC.
