Credit Card
One Community Bank
Credit Card Application
Please review our credit card information before completing the application at the bottom of this page.
| INTEREST RATE AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases | 16.80%
Fixed |
| APR for Balance Transfers | 16.80%
Fixed |
| APR for Cash Advances | 16.80%
Fixed |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We 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. |
| Minimum Interest Charge | If you are charged periodic interest, the charge will be no less than $1. |
| 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 http://www.consumerfinance.gov/learnmore |
| FEES | |
| Annual Fees | $35 |
Transaction Fees
|
$0 $5 for each transfer. |
Penalty Fees
|
$20
$0 $0 |
How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Other: The information about current APR’s and the costs of the cards is accurate as of 02/24/2026 and is subject to change after that date. To find out what may have changed, go to www.onecommunity.bank, call us at 608-838-3141 or write us at One Community Bank, 5590 US-51, McFarland, WI 53558.
Other: Extension of credit to underage consumer- No credit card may be issued to or on behalf of a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the following requirements: (1) submission by the consumer of financial information indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account, or (2) the consumers application includes the signature of a “cosigner”, guarantor, or joint applicant who is at least 21 years old and has provided proof of the ability to make the required payments on the account. In regards to an increase, the individual on the account who is 21 years or older must agree to any limit increase in writing. Offering consumers under the age 21 any tangible items to apply for an open-end credit and making a pre-screen offer to a consumer under age 21 is prohibited. Any credit increase, the individual on the account who is 21 years or older must be jointly approved.
Purchase APR: Your Purchase rate is 16.8%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.4%.
Balance Transfer APR: Your Balance Transfer rate is 16.8%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.4%
Cash APR: Your Cash rate is 16.8%. The monthly periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.4%.
Military Lending APR: Effective October 1, 2017. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).