Credit Card

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

WHAT THIS MEANS FOR YOU When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.

IMPORTANT TERMS AND APPLICATION AGREEMENT: By submitting an application for credit, you certify that all information provided is true and complete. You agree that inquiries may be made to verify information, and that credit references or verification may be given based on inquiries from other parties. This offer is subject to the credit policies of this institution. You agree to be bound by the terms and conditions of the cardholder agreement, a copy of which will be mailed to the applicant if this application is granted, receipt of such agreement and acceptance of such terms to be conclusively presumed by the applicant’s use. If you intend to apply for joint credit, the undersigned shall be jointly and severally liable for any and all credit extended from time to time. We may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

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, 5990 Hwy. 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).

PRIVACY NOTICE You understand we may contact you by phone, email, or text message during the application process and that subsequent use of your information will be in accordance with our privacy policy, which will be provided to you during this application process.