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*APR = Annual Percentage Rate. Rate offered will be based on your creditworthiness. The APR is subject to change monthly on the first day of each month to reflect any change in the Index; this will be determined by the Prime Rate as published in the “Money Rates” column of the Wall Street Journal on the 10th day of the preceding month, to which we will add a margin. If the 10th falls on a date the Wall Street Journal does not publish, the Prime Rate published on the last publishing day preceding the 10th will be used. The APR will never be greater than 18%. No annual fee. No balance transfer fee. For more details, see our VISA Agreement.
**For qualifying accounts, all purchases posted to the account during the first 90 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. The promotional rate will be good for 15 months. The APR for any remaining promotional balances will increase to the standard APR for purchases, and all subsequent purchases will receive the standard APR for purchases. All existing payment terms apply. Other fees may apply. Must be a SMFCU member.