*APR = Annual Percentage Rate. The 0.00% rate for Balance Transfers will be in effect for the 12 months after the transfer is conducted. Balance Transfer amount must be less than your available revolving credit limit. Minimum monthly payments still apply. When balance transfer period ends, APR will adjust to the fully indexed interest rate in effect at that time. Payments received during the promotional period will be applied to outstanding balance. Promotional rate is only valid for external balance transfers. APR and credit limit may vary due to an individual’s credit worthiness. All Balance Transfers must be processed by end of business on February 28, 2019. Promotion length is at the discretion of the Credit Union and subject to change.