Credit Cards through SSB Bank

Credit Cards are NOW AVAILABLE at SSB Bank!

You spoke, and we listened. At SSB Bank, we recognize that credit cards are an essential plastic that many of us carry in our wallets. 

Along with the many other competitive products we offer, credit cards are now going to be part of the list!


Promotional Offers

0% APR on balance transfers for Visa Platinum Credit Cards with SSB Bank

0% APR on Balance Transfers for the First 12 Months*

Transfer your current balances to your SSB Bank Visa Platinum Credit Card for 0% APR for the first 12 months beginning on the date of your account opening. 

*Balance transfers will be subject to a $10 or 3% fee, whichever is greater, on each amount transferred.

Our SSB Bank Visa® Platinum Credit Card Provides:

Competitive Rates on Purchases and Balance Transfers

 No Annual Fees

Access to Online and Mobile Banking

SSB Bank Visa® Platinum Credit Card

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

PROMOTIONAL RATE- Annual Percentage Rate (APR) for Purchases0% 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.

PROMOTIONAL RATE- APR for Balance Transfers4.99% 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.

Standard APR for Purchases6.5%-11.5% 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%-11.5% 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: Variable APRs are based on the 5.5% Prime Rate as of Jan 23, 2019

Purchase APR: The Purchase APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%.  The Monthly periodic rate of FINANCE CHARGES will be no less than 0.45833% and no greater than 2.49917%.

Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 4% to the Prime Rate of 5.5.  The Balance Transfer APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%.  The Monthly periodic rate of FINANCE CHARGES will be no less than 0.79167% and no greater than 2.49917%.

Cash APR: For Cash transactions, we add a Margin of 4% to the Prime Rate of 5.5.  The Cash APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 29.99%.  The Monthly periodic rate of FINANCE CHARGES will be no less than 0.79167% and no greater than 2.49917%.

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. 


Questions about how to apply for an SSB Bank Credit Card? Simply fill out the form below and a staff member will be in touch with you regarding the qualifications and application process.

 
 

credit cards in back pocket