Additional Tools
To wire funds to Armed Forces Bank of California, use routing # 1222-4301-7.
Direct Deposit Signup Form (in PDF format)
Visa Credit Card
Visa Credit Card Disclosure


Credit Card Disclosure
Apply for a Visa Credit Card

This application is in a fillable PDF format.
After you've completed the application,
click the "Print" button on the bottom of the form.

The following rates are available. If you are approved, your APR will be determined by your credit score. Credit scores are provided to us through a credit reporting agency.
  • 9.99% Annual Percentage Rate (APR) (direct deposit required)
  • 15.6% Annual Percentage Rate (APR)
  • 17.99% Annual Percentage Rate (APR)* (plus $25 annual fee)

* If this is the APR for your Visa account, we will not issue your card until you authorize us in writing to debit a designated deposit account for at least the minimum payment due on the Visa account each month.

IMPORTANT INFORMATION

25 day grace period on purchases  
Minimum Finance Charge None
Card Replacement Fee $3
Cash Advance Fee $2
Pin Replacement Fee $2
Return Check Fee $20
Over Limit Fee $20
Late Payment Fee $20
Annual Fee (card with 17.99% APR only) $25


AVERAGE DAILY BALANCE CALCULATION

The Average Daily Balance used to determine the Finance Charge is calculated as follows:
  1. Begin with the "Previous Balance" shown on the statement and subtract the Finance Charge billed on the previous statement, and any other prior unpaid Finance Charge, to obtain the principal balance.
  2. Determine a daily balance for each of the days during the billing period. (The billing period begins the day after the previous statement date and continues through the current statement date.) To arrive at each daily balance: add that day's purchases and cash advances to the previous day's daily balance and/or Subtract that day's payment(s) and credit(s) from the previous day's daily balance except, on the first day when the principal balance is used.
    3. NOTE: Before the billing period's first payment/credit is applied to a daily balance, any prior unpaid Finance Charge must be subtracted from the payment/credit. The remainder of the payment/credit is then subtracted from that day's balance.
  3. Add each daily balance from (2) and divide the total of this balance by the number of days in the billing period, to determine the Average Daily Balance on the account. (Billing periods will vary depending upon the number of days in the calendar month.)
  4. Multiply the Average Daily Balance from (3) by the periodic rate shown on the front of the statement to determine the amount of Finance Charge assessed during the billing period.

The disclosures above are accurate as of January 2007 and are subject to change thereafter.