Banking is different at Directions

As a not-for-profit financial cooperative, Directions is different by design! Lower fees and better rates is just the beginning of a better way to bank.

Auto & Recreational

Credit Card

Checking & Savings

Mortgage & Home Equity

Personal Loans

Business Commercial

APR
Rewards VISA 9.99 - 17.24%
CREDIT DISCLOSURES

Interest Rates & Interest Charges

Annual Percentage
Rate (APR)
for Purchases
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
APR for Balance
Transfers
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
APR for Cash
Advances
9.99% to 17.24% based on your creditworthiness at the time of
account opening.
Paying InterestWe will not charge you any interest on purchases if you pay your entire balance
by the due date each month. The Interest Charge on cash advances begins
from the date you obtained the cash advance. The Interest Charge on balance
transfers begins from the date the transaction is posted to your account.
For Credit Card
Tips from the
Consumer Financial
Protection Bureau
To learn more about factors to consider when applying for or
using a credit card, visit the website of the Consumer Financial
Protection Bureau at www.consumerfinance.gov/learnmore

Fees

Annual FeeNo annual fee
Penalty Fees
Late PaymentUp to $25.00
Over-the-Credit-LineNo over-the-credit-line fee
Returned PaymentUp to $25.00

How We Will Calculate Your Balance:

We use a method called “Average Daily Balance.” (Including New Purchases)

Credit disclosure is accurate as of 04/16/17 and is subject to change. To find out what
may have changed, call us at 1-888-508-2228.