Credit Cards

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).

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: If you make a late payment during the Introductory APR promotional period, we may end your introductory APR for Balance Transfers and apply the APR in effect at that time.

*Introductory APR Offer for Balance Transfers: Introductory APR for balance transfer requests must be made within six (6) months of account open date and the promotional rate is good for six (6) billing periods after the balance transfer posts. Balance Transfers requested after this time will have an APR equal to the assigned purchase rate (excluding any introductory APR). The 3% transfer fee is waived during the introductory period.

** If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late Payment Fee will not exceed the total minimum payment that was due.

All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason.

Manage Your Credit Card with Ease
Once enrolled in MyFarmers Online Banking, download the MyFarmers Mobile App. There, you will have access and functionality with you, no matter where you go! 

• View transactions 
• Make credit card payments
• Monitor credit score
  
• Contact Center Support messaging available during business hours

For instructions to download the MyFarmers Mobile app, click HERE. It’s that easy because we want you to feel safe and in control of your account at all times.