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*APR=Annual Percentage Rate
When you open your account, the APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
**2.99% Promotional Rate: The Promotional APR on balance transfers will apply to balance transfers made between February 1, 2019 thru April 30, 2019. The balance accumulated during this promotion period will remain at the 2.99% through statement closing of December 2019. Offer not valid on business accounts and cannot be combined with any other offer. Transfer may not include BayPort loan balance.
Variable Rate Information: Your APR may increase in the future on a Mastercard Platinum Preferred, Mastercard Platinum Rewards, and Mastercard Platinum Cash Back Credit Card. The APR is determined by the Prime Rate published in the Wall Street Journal (Index) on the first day of each quarter (January, April, July, and October) to which we add a margin. The APR is subject to change on the first day of the billing cycle quarterly to reflect and change in the Index. Any increase in the APR will result in an increase in the amount of the interest you will pay, may increase your minimum payment, and may increase the number of payments to pay off your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
Effective Date: The information about costs of the card described in this application is accurate as of February 1, 2019. This information may have changed after that date. To find out what may have changed, contact the credit union at 757-928-8850 or 1-800-928-8801.