*APR = Annual Percentage Rate. Introductory rate of 2.00% APR is valid on balance transfers from other financial institutions, credit card companies, or department store cards and processed between February 1, 2022 and March 31, 2022 to our Start Here Classic, Gold Rewards, and Platinum Preferred (no rewards) card programs. Your rate is based on your credit worthiness. This rate does not apply to make payments toward amounts you owe SMFCU. The promotional rate will remain in effect for 22 months from the date of the balance transfer transaction. After which, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement. Each balance transfer will be treated as a cash advance as described in your Credit Card Agreement, and will begin to accrue finance charges from the date it is posted to your account, and is subject to credit availability. Continue to make payments on your other accounts until you have confirmed this balance transfer has been received. Not offered for business cards, secure cards or accounts converted over at the time of the conversion.