*APR = Annual Percentage Rate. Offer available for new cardholders only. 1.99% Introductory APR on each qualifying balance transfer for 12 months. Qualifying purchases will be at 1.99% introductory APR for 6 months. Balance transfers and purchases must be made within 90 days of account opening to qualify for the introductory APR rate. After introductory period, variable rate APR for unpaid balance and subsequent purchases and for cash advances and balance transfers will range from 7.99% to 17.99% depending on creditworthiness. Rates current as of December 9, 2020 and subject to change. Eligibility for the lowest rate is based on credit worthiness, ability to repay, credit score, and term of loan. Cannot be combined with any other offer. Other conditions may apply. After the promotional period, the APR will vary with the market based on the Prime Rate. The credit union reserves the right to change or end promotion at any time. For terms and restrictions for Visa® benefits, please see full details in the Visa® Benefits Information supplied with your credit cards documents.