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1 Introductory rate of APR is valid for six billing cycles on new purchases, after that your APR will be between and based on your creditworthiness. This offer is for new credit card accounts only. All loans are subject to credit approval. Not all applicants may qualify.

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Holiday Closure: Raiz branches, call center, and operations center will be closed on Monday, February 16, 2026 in observance of Presidents' Day. Learn more