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Home > Personal Banking > Credit Cards > Credit Card Details
  • Credit Card Details

    We believe you deserve a credit card with fair fees and rates that reflect your lifestyle. Plus, you control which day of the month you want to make your payment and more! So you can relax, knowing your credit card is tailored to your needs.



    The Gold MasterCard® Credit Card offers a variety of valuable and convenient extras. Our variable interest rate is low. We also offer theft protection on purchases, $250,000 travel accident insurance, and insurance coverage on rental cars.


    Interest Rates and Interest Charges
    Annual Percentage Rate (APR) for Purchases

    0.00% introductory APR for six (6) months.

    After that, your APR will be 8.99% to 20.99%, based on your creditworthiness.
    This APR will vary with the market based on the Prime Rate.

    APR for Balance Transfers and Cash Advances 8.99%  to 20.99%
    This APR will vary with the market based on the Prime Rate.
    Penalty APR and When it Applies None
    Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
    Minimum Interest Charge If you are charged interest, the charge will be no less than $1.50
    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

    Annual Fee None
    Rewards Membership Fee None

    Transaction Fees

        Balance Transfer

    Either $10 or 4% of the amount of each transfer (maximum $100)
        Cash Advance Either $10 or 4% of the amount of each cash advance (maximum $100)
        Foreign Transaction 1% of each transaction once converted into U.S. dollars

    Penalty Fees

        Late Payment  Up to $25 
        Over-the-Credit Limit None
        Returned Payment Up to $25 

    To find out what may have changed, call us at (800) 445-9272 write us at BankCard Services, P.O. Box 779, Jefferson City, MO 65102.

    How We will Calculate Your Balance: We use a method called “average daily balance" (including new purchases)
    Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment