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Credit Cards
Who says you have to give up personal service to get good rates on a credit card? Now you can get the card that's just right for you--right from us. That means you can enjoy very competitive rates and first class service.
Plus, every Avidia credit card (and debit card) is part of Avidia Rewards, one of the most attractive and flexible rewards programs available. With Avidia Rewards, you earn rewards points for every dollar you charge to your card. Plus, if you have both a credit card and debit card, your rewards points go into a single Avidia Rewards account, so you can earn points faster while having the flexibility to use either your credit or debit card.
You can redeem Avidia Rewards points for an amazing selection of travel, merchandise and gifts. Avidia Rewards enables you to buy electronics, home furnishings, clothing, gift cards, and pay for travel on any airline. Avidia Rewards is perhaps the most versatile rewards program you'll find anywhere. For complete information about the Avidia Rewards, click here.
You can also choose to have Overdraft Transfers for your credit card account. As an added benefit, Avidia Bank customers can link their credit card to their Avidia Checking account. In the event of an overdraft, a transfer to the checking account from your credit card will be made automatically. If you have an existing Avidia Bank VISA credit card and would like to link to your Avidia Bank checking account, you may sign up by mail by clicking here to download the Overdraft Transfer request form.
Plus you can manage your Avidia credit card right online. You'll have full access to your Avidia credit card information, which means you can check balances, account activity, available credit and make a payment--all with the click of a mouse. You make payments by transferring funds from any of your Avidia deposit accounts into your credit card account, so you don't even need our Bill Express online bill payment option to do it. So now you have yet another great reason to sign up for Avidia Internet Banking. It's free and easy, so sign up today!
To Apply For A Credit Card: You can apply for an Avidia Visa at any of our offices.
You can also apply by mail by clicking here to download an application form. Please send the completed form to: Avidia Bank, Customer Service, 42 Main Street, Hudson, MA 01749. Be sure to include a copy of your latest paycheck stub with your application. (This form requires that you have Adobe Acrobat Reader, which you can download free by clicking here.
Interest Rates and Interest Charges
| The type of Visa Card for which we approve you will be based on your creditworthiness and other factors. |
Visa Classic
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Visa Gold
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Visa Platinum
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| Annual Percentage Rate (APR) for All Advances (Purchases, Cash Advances,and Balance Transfers) |
17.9%
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10.15%
This rate will vary with the market based on the Prime Rate
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Introductory Rate
3.9%
for 6 months, then
9.15%
This rate will vary with the market based on the Prime Rate
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| How to avoid paying Interest on Purchases |
We will not charge you interest on purchases itemized on your monthly statement if the balance on your entire account at the beginning of the billing cycle was zero or if the payments and credits received during the billing cycle equal or exceed that balance.
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| For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
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Annual Fee
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$25
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None
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None
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Transaction Fees
Overdraft Transfer
Cash Advance
Balance Transfer
Over-limit Fee
Foreign Transaction
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Tracolumn 2
$10
$5 or 4% of each cash advance, whichever is greater
None
None
1% of each transaction in U.S. dollars
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Penalty Fees
Late Payment alignment text
Returned Payment
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column 2
$10 or 10% of the outstanding balance of your account, whichever is less
$5 or 4% of each cash advance, whichever is greater
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How we will calculate your balance: We use a method called "average daily balance (including new purchases)."
This page was produced June 14, 2010 and the above information was accurate as of that date. The information is subject to change at any time. You may call 1-800-508-2265 for any changes to this information since the date of printing.
For complete Terms and Conditions, click here.
The current Prime Rate is 3.25%. The Prime Rate used to determine your APR is the rate published in the "Money Rates" section of the Wall Street Journal on the first day of each month and will take effect on the first day of the following month.
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