*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Your APR for purchases, cash advances and balance transfers can change every January and July of each calendar year and is determined by adding a margin of 5.74% to 13.24% (7.74% to 14.24% for Cash Rewards Platinum Visa) to the Prime Rate.

*APR= Annual Percentage Rate. The Introductory Balance Transfer APR is 4.99% for Visa Platinum and Visa Platinum Secured (or 0% APR for the Visa Platinum Cash Rewards) on new accounts within 60 days of the approval for the first 12 billing cycles of the Account, thereafter 14.24% to 18.00% (16.24% to 18.00% for Visa Platinum Cash Rewards), only applies to balance transfers from other financial institutions. Rates are subject to change.