LOW INTEREST, HIGH SAVINGS

¹The 0.00% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for twelve consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. A 3% Transaction Fee for the amount of your transferred balance will be applied to your account for this promotion.

²The 1.90% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for six consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. A 1% Transaction Fee for the amount of your transferred balance will be applied to your account for this promotion.

³The 2.99% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for three consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. No Transaction Fees.

*Annual Percentage Rate (APR). After the expiration of your “Discounted” rate the remaining unpaid portion of the original balance transfer request will be subject to your regular APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Current rates range from 13.25% APR to 18.00% APR. Consumer Cards (Business Cards and Secured Cards are ineligible) may have up to 10 individual balance transfers open at any given time period. The minimum balance transfer amount allowed is $300. Any balance transfer request that is submitted for less than $300 will not be honored. If you default through becoming 60 days or more delinquent, we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance and available online.

We will apply your minimum payment amount first to any fees, then to Interest Charges on Cash Advances, Balance Transfer, and then to new Purchases. If applicable, any payment amount in excess of the minimum payment will be allocated first to high-rate balances. All rates are effective as of December 1, 2024 and this offer may be withdrawn at any time. Other restrictions or conditions may apply. You may not pay off any other Members 1st credit card, line of credit or loan product by using this balance transfer option. For current rates, fees, and other cost information, please reference the Visa Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (800) 283-2328 ext. 6035. Offer expires December 31, 2024.