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Credit Cards through SSB Bank

Our SSB Bank Visa® Platinum Credit Card Provides:

Competitive Rates on Purchases
and Balance Transfers

No Annual Fees

Access to Online
and Mobile Banking

See the table below for important disclosures and information regarding our Visa credit card. Rates are effective as of July 27, 2023.

Interest Rates and Interest Charges

Fees

For inquiries, or to request up-to-date disclosure information, please call toll-free (833) 764-6955.

Additional Information

How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you become more than 30 days late in paying your bill.

How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Prime Rate: The prime rate used to determine your APR is the rate published in the Money Rates section of the Wall Street Journal on the two business days (not weekend or federal holidays) before the closing date shown on your billing statement. This rate is 7.50% as of 12/19/2024.

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). If you are scheduled to be deployed, please contact us immediately for a rate adjustment.

Rates, Fees and Terms May Change: We have the right to change the account terms (including APR) in accordance with your Cardmember Agreement*. 

*Copies of Cardmember Agreements are available at request. Please contact us to request a copy.

Apply for a Credit Card with SSB Today!

Interested in learning more? Simply fill out the form provided and a staff member will be in touch with you regarding the qualifications and application process.