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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 first class service.
Plus, every Avidia credit card is part of Points2U, one of the most attractive and flexible rewards programs available. With Avidia's Points2U, 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. Points2U enables you to buy electronics, home furnishings, clothing, gift cards, and pay for travel on any airline. Points2U is perhaps the most versatile rewards program you'll find anywhere. For complete information about the Points2U rewards program, 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 payment--all with the click of a mouse. You make payments by transfering 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. Best of all, payments are immediate, so it is easier to avoid late payment fees. So now you have yet another great reason to sign up for Avidia Internet Banking. It's free and easy, so sign up today! Whether you choose our Classic, Gold or Platinum card, you'll be getting great terms, great service and one of the best rewards programs available 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, Retail Banking Center, 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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25 days
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Visa Gold
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Prime + 6.9%*
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None
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25 days
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Visa Classic
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17.9% fixed
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$25
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25 days
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Details of offer and account information
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Annual Fee
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Annual Percentage Rate (APR) for purchases
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Visa Platinum: 3.9% Fixed for 6 months, after that
12.40%
Visa Gold:
13.40%
Visa Classic:
17.90% Fixed
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Annual Percentage Rate (APR) for cash advances and balance transfers
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Visa Platinum: 3.9%, Fixed for 6 months, after that
12.40%.
Visa Gold:
13.40%
Visa Classic: 17.9% Fixed
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Variable rate information
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The APR may vary.
Visa Platinum: rate is determined by adding 5.9% to the *Prime Rate
Visa Gold: rate is determined by adding 6.9% to the *Prime Rate
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| Grace Period for repayment of balance for purchases |
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed.
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| Minimum finance charge |
Visa Platinum - $.50
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| Method of computing the balance for purchases |
Average Daily Balance (including new transactions).
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Transaction fees for cash advances and fees for paying late or exceeding the credit limit
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Fees for Cash Advances: Visa Classic - 2.0%, $2.00 MIN, $10.00 MAX
Visa Gold - 2.0%, $2.00 MIN, $10.00 MAX
Visa Platinum - 3.0%, $5.00 MIN, No MAX
Over-the-credit-limit fee: A fixed fee of $15.00
Late-payment fee: A fee of $10.00 or 10% of the outstanding balance, whichever is lesser, will be charged to any late payments.
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Balance Transfer Fees
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None
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For complete Terms and Conditions, click here.
*Printed
January 23. 2008 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 23, 2008.
The current Prime Rate is
6.50%. 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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