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0.00% Introductory APR for 12 billing cycles following the account open date.
ESL Visa Credit Card: After that, between 12.50% - 17.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1
ESL Rewards Visa Signature Credit Card: After that, between 15.50% - 17.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.1
17.90%
18.00%
This APR may be applied to your account if:
1. Your minimum monthly payment is not made for two consecutive billing cycles.
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied until the billing cycle after your past due status is corrected.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
We will begin charging interest on cash advances on the transaction date.
If you are charged interest, the charge will be no less than $.50.
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 http://www.consumerfinance.gov/learnmore.
None
1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% is fixed for 12 billing cycles from account open date. After that, the ESL Visa Credit Card is Prime Rate + 5.00% up to Prime Rate + 14.24%, and the ESL Rewards Visa Signature Credit Card is Prime Rate + 8.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 18.00%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply.
How we will calculate your balance — We use a method called “average daily balance (including new purchases).” See your account agreement for more details.
Loss of Introductory APR — We may end your Introductory APR and apply the Penalty APR if your minimum monthly payment is not made for two consecutive billing cycles.
Billing Rights — Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
ESL membership is required. To see if you are eligible for membership, visit esl.org, any of our convenient branch locations, or call our Contact Center at 585.336.1000 or 800.848.2265.
Applicant(s) must be 18 years of age to apply.
The Federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant is able to enter into a binding contract), handicap or familial status; because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the National Credit Union Administration, Region I Office, 9 Washington Square, Washington Avenue Extension, Albany, NY, 12205, 518.862.7400.
