Credit Cards

Take a quick Community Classroom module to learn about credit card basics.

Credit Cards serviced by The Independent Bankers Bank (TIB), Dallas, Texas.

Fees For Credit Card Products: Late Payment: Up to $25, Returned Payment: Up to $25, Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10, International Transaction: 2% of each transaction in U.S. dollars.

*After introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

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