Time Federal Savings Bank
Credit Cards

VISA® Classic with Rewards
from Time Federal Savings Bank

VISA® Classic with Rewards
from Time Federal Savings Bank

Important Disclosures

Competitive Rates

Competitive Rates

Zero Fraud

Zero Fraud Liability

Customer Service

24/7 Customer Service in the U.S.

Pen & Paper

Interest Rates & Fees Summary

Purchase APR
Balance Transfer APR
Annual Fee
Purchase APRBalance Transfer APRAnnual Fee

Please see Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.

Additional Product Features

  • Online account information

Important Disclosures

VISA® Classic with Rewards
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases9.90% Fixed
APR for Balance Transfers9.90% Fixed
APR for Cash Advances9.90% Fixed
Paying InterestYour 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 the entire balance by the due date (Grace Period) each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection BureauTo 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
Annual FeesNone
Transaction Fees
• Balance TransferNone
• Cash Advance 2.0% of the amount advanced or $2.00, whichever is greater, not exceeding $20.00
• Foreign Transaction1.00% of the transaction amount. Purchases and cash advances you make in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion to dollars will be made by the foreign plan member's bank in accordance with the applicable VISA operating regulations for international transactions.
Penalty Fees
• Late PaymentUp to $10
• Returned PaymentUp to $15
• Optional FeeUp to $20 Customer Requested Expedited Delivery Fee

Marital Property Information: 1. If you are married and live in the state of Wisconsin, and we open an individual account for you, we are required by section 766.56(3)(b) of the Wisconsin Statutes to notify your spouse of the opening of the account. 2. Joint applicants who are married, but not to each other should complete separate applications and submit them together. Notice to married applicants in Wisconsin: No provisions of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin Statutes, or court order under section 766.70 adversely affects the interest of Time Federal Savings Bank unless Time Federal Savings Bank is furnished a copy of the agreement, statement, order or has actual knowledge of the adverse provision before opening the requested account.

Loss / Theft: Notify us at once at 800.325.3678 of any loss, theft, disappearance, or possible unauthorized use of your card of any convenience check.

Right to Reject: You may reject this credit card by calling 800.205.0914, provided you have not used the account or paid a fee after receiving a billing statement. If you do reject the account, you are not responsible for any fees or charges.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.

How We will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". See your Cardholder Agreement for more details. The information stated above is accurate as of 05.28.2019; however, this information is subject to change. To obtain information about changes in the above disclosures, contact us at 800.205.0914 or write to Time Federal Savings Bank, PO Box 239, Medford, WI 54451

Military Lending APR: Effective 10.03.2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Military Lending Act Oral Disclosure available at 844.334.3810N0020762