Important COVID-19 Updates.

Credit Cards through SSB Bank

Call Us for More Information!

412-837-6955

Our SSB Bank Visa® Platinum Credit Card Provides:

Competitive Rates on Purchases and Balance Transfers

 No Annual Fees

Access to Online and Mobile Banking

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.

 
 

See the table below for important disclosures and information regarding our Visa credit card. Rates are effective as of June 3, 2019.

Interest Rates and Interest Charges

INTRODUCTORY RATE- Annual Percentage Rate (APR) for Purchases4.99% APR on purchases made within the first 11 billing cycles of a new account being opened. After that, your APR will be at your regular standard APR.

INTRODUCTORY RATE- APR for Balance Transfers0% APR on purchases made within the first 11 billing cycles of a new account being opened. After that, your APR will be at your regular standard APR.

Standard APR for Purchases6.5%-29.99% APR
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.

Standard APR for Balance Transfers6.5%-29.99% APR
This APR will vary with the market based on the Prime Rate and is based on your creditworthiness.

APR for Cash Advances9.5% APR 
Your APR will vary with the market based on the Prime Rate.

Paying Interest

Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement.

The Interest Charge on cash advances begins on the date the advance is posted to the account.

For Credit Card Tips from Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 


Fees

Annual FeeNONE
Transaction Fees
  • Balance Transfer
Either $10 or 3% of the amount of each transferred balance, whichever is greater.
  • Cash Advance
Either $10 or 3% of the amount of each transferred balance, whichever is greater.
  • Foreign Transaction including Purchases, Cash Advances and Credits
NONE
Penalty Fees
  • Penalty APR

29.99%

If we do not receive the minimum payment by the date listed on your statement, your APRs may be increased up to the Penalty APR. The Penalty APR will apply until you make six consecutive minimum payments by the date listed on your statement.
  • Late or Returned Payment
Up to $35
  • Over-the-Credit-Line
NONE
Other Fees
  • Rush Card Fee
$30
  • Additional Card Fee
$10 for each additional card requested


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.

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.