Financial Calculators






Enjoy the world around you with the purchasing power of a stress-free credit card. Our MasterCard® credit cards contain no hidden fees, zero fine-print frustrations and countless other benefits designed to help you save cash.




How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account agreement for more details.

Prime Rate: the APR will vary based on changes in the Index. The Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of March 24, 2017, the Index was 4.00%.

a. We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.

b. We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.

c. We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.

If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have the selected the Low Rate Card.

If you do not qualify for a World Card and you qualify for a Preferred Points Card, you will automatically be offered a Preferred Points Card. You understand and agree that the benefits for the World Card are different than those for the Preferred Points Card.

If you check the box to receive a Visa Card, you understand and agree that the benefits for a Visa Card are different than for a MasterCard®.

The issuer and administrator of the credit card program is TIB-The Independent BankersBank.

*Other options including business cards are available.

Apply for a Standard, Preferred or World MasterCard® and take advantage of the card that puts your best interests first.


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First State Bank Shannon-Polo-Lake Carroll
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