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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 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. You can redeem these 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 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.
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APR
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ANNUAL FEE
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GRACE PERIOD
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Visa Platinum
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3.9% for the first 6 months
then Prime +5.9%*
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None
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27 days
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Visa Gold
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Prime + 6.9%*
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None
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27 days
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Visa Classic
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17.9% fixed
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$25
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27 days
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Details of offer and account information
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Visa Classic
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Visa Gold
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Visa Platinum
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Annual
Percentage Rate |
17.9% fixed rate
(applies to all advances)
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10.15%
(applies to all advances)
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3.9%
for 6 months, then
9.15%
(applies to all advances)
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| Variable Rate information |
Not applicable
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The APR may vary. The rate is determined monthly by adding 6.9% to the highest U.S. Prime Rate published in the Money Rates of The Wall Street Journal on the first day of the calendar month. The rate will never be set lower than 10.15%. |
The APR may vary. After the first 6 monthly billing cycles, the rate will be determined monthly by adding 5.9% to the highest U.S. Prime Rate published in the Money Rates of The Wall Street Journal on the first day of the calendar month. The rate will never be set lower than 9.15%. |
| Grace Period for Purchases |
You will not have to pay finance charge on new purchases itemized on your monthly statement if payments and credits to your account during the next billing cycle equal at least the amount of the New Balance shown on the statement. |
| Balance Computation Method |
Average Daily Balance (including new purchases)
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| Annual Membership Fee |
$25
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None
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None
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| Cash Advance Fee |
Overdraft Transfers: $10 per transaction
All other Cash Advances: 4% of the transaction amount,
but not less than $5.00
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| Late Payment Charge |
$10 or 10% of the account balance, whichever is less
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For complete Terms and Conditions, click here.
*Printed January 21, 2010. The above information was accurate as of that date and is subject to change. Customers can call 800-508-2265 to determine if any information has been changed since January 21, 2010.
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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