*APR = Annual Percentage Rate. Offer available for new and existing Visa cardholder accounts. Introductory rate applies to balance transfers. New purchases and cash advances will assume the current approved rate. The introductory rate will be available for six billing cycles from the date the balance is transferred. At the end of the six billing cycles, the rate will revert to the risk-based pricing rate the member qualified for at the time of application. Rates and terms are subject to change and current underwriting guidelines. Additional restrictions may apply. See the credit union for full terms and conditions.