Terribly high, predatory APR%s. It shouldn't be legal to charge this much. I requested a more reasonable rate and they wouldn't budge. They target college students.
1st Financial Bank
(3)
1st Financial Bank, located in North Sioux City, SD, is dedicated to helping customers achieve their financial goals through a range of banking products including personal checking, savings accounts, and lending services. With a special focus on supporting students in building credit, the bank has been empowering individuals for over 30 years.
The bank encourages responsible financial practices, demonstrated through testimonials from customers who appreciate the security and benefits of managing their finances with a credit card. Taking part in community initiatives such as scholarships and financial education programs underscores 1st Financial Bank's commitment to long-term financial success for its clientele.
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Reviews

These people are massive crooks. They target teens in high school by mail and then raise rates non-stop to 29% the more credit you use then start charging an annual fee of $155 if you're no longer...
NEVER EVER apply for this card! The interest rate is over 30%! The interest rate is NOT negotiable and the customer reps and managers all read from the same script, there is nothing they can do...