First Community Bank
Credit Cards

Granite Low Interest
from First Community Bank

Granite Low Interest

Granite Low Interest
from First Community Bank



†Important Disclosures
Card Features
We are local.
We are local.
All of your credit decisions, service, and payments are made locally.
Dedicated App
Dedicated App
View and pay for transactions on our dedicated mobile app.
Contactless cards
Contactless cards
All cards are contactless for a faster, safer transaction.
Interest Rates & Fees Summary
Standard APR
Based on your credit worthiness:
  • 8.99%
  • 10.99%
  • 12.99%
Balance Transfer APR
Based on your credit worthiness:
  • 8.99%
  • 10.99%
  • 12.99%
Cash Advance APR
Based on your credit worthiness:
  • 13.99%
  • 15.99%
  • 17.99%
Annual Fee
None
Standard APRBalance Transfer APRCash Advance APRAnnual Fee
Based on your credit worthiness:
  • 8.99%
  • 10.99%
  • 12.99%
Based on your credit worthiness:
  • 8.99%
  • 10.99%
  • 12.99%
Based on your credit worthiness:
  • 13.99%
  • 15.99%
  • 17.99%
 None

Additional Product Features

  • Apple, Samsung, Android Pay Functionality
  • Verified by Visa®
Important Disclosures

Granite Low Interest VISA® Credit Card Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 8.99%, 10.99%, 12.99% Based on creditworthiness
APR for Balance Transfers 8.99%, 10.99%, 12.99%
APR for Cash Advances 13.99%, 15.99%, 17.99% (including Convenience Checks)
Penalty APR and When It Applies 13.99%, 15.99%, 17.99%

The Penalty APR is applied if your account becomes delinquent 60 days.

How long will the Penalty APR Apply? The Penalty Annual Percentage Rate will apply until you make six consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases (excluding Cash Advances and Convenience Checks) if you pay your entire balance by the due date each month.
Minimum Interest Charge NONE
For Credit Card Tips from Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the federal board at https://www.federalreserve.gov/CreditCard
Fees
Annual Fees $0
Transaction Fees
• Cash Advances 2% of the amount advanced
• Convenience Checks 2% of the check amount
• Balance Transfers 3% of the amount transferred
• Purchases NONE
• International Transaction May be subject to applicable currency exchange fees through your Visa carrier
Penalty Fees
• Late Payment Fee Up to $35
• Returned Payment Fee Up to $35
• Overlimit Fee Up to $35 (if opted-in)
Other Fees
• Expedited Card Issuance $15
• Replacement Card Fee $35
How will we calculate your balance?:
We use a method called “Average Daily Balance” (including new purchases). An explanation of this method is provided in your account agreement.
Billing Rights:
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Application of Late Fee:
You will be charged a late fee if a payment is not received within 10 days of the payment due date.

The above disclosures are accurate at the date of printing (September 27, 2022). For changes that may have been made after printing, please call 870-612-3400 or 1-888-780-8391.