Richmond Heights

Credit Card Rates. APR= Annual Percentage Rate. Offers subject to credit approval; terms may vary. For rate and fee information, click here. For our Credit Card Agreement, click here. There is a 0% Introductory APR for 18 months after account opening for this account. After that, your standard APR will be 17.49% or 19.49% depending on your credit history. This APR will vary with the market based on the Prime Rate. Offers subject to credit approval; terms may vary. No minimum interest charge, foreign transaction fee or annual fee with this account. Balance Transfer Fee and Cash Advance Fees are 3% (min. $5) with a maximum fee of $75. Intro rate not available to current CommunityAmerica credit card holders or prior CommunityAmerica credit card holders whose account was closed within the past 6 months.

Limited Time Offer. You will receive 15,000 bonus points with this bonus offer, which can be redeemed for $150 cash back, when you spend $2,000 on purchases in the first 90 days from account opening of the VISA® Signature Credit Card. Cash back is applied as a statement credit. "Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, interest, unauthorized or fraudulent charges, and fees of any kind. Points deducted if purchase returned. If you earn the 15,000 bonus points when you spend $2,000 in purchases within 90 days of account opening, please allow up to 6 to 8 weeks for bonus points to post to your account. Offer not available to current CommunityAmerica credit card holders or prior CommunityAmerica credit card holders whose account was closed within the past 6 months. Account must be open and not in default at the time of fulfillment. Offer may be revoked, restricted or changed at any time at CommunityAmerica’s discretion.

Visa® Signature. Earns unlimited 1.5% cash back on every dollar spent. Example: $1,000 spent earns 1500 points, which may be redeemed for $15 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

Certificates of Deposit (CDs). Minimum deposit for Certificate of Deposit (CD) is $500, with the exception of the Saver CD which requires a minimum deposit of $50 to open. APY = Annual Percentage Yield. Assumes interest is reinvested and the rate continues for a year. Certificate of Deposit interest is earned at the applicable term’s fixed rate until the Certificate of Deposit matures. Fees could reduce earnings on the account. Certificate of Deposit accounts are subject to substantial penalty for early withdrawal. Rates effective as of 08/01/2024.