10.00% APR Debt Consolidation Loan will be booked at the agreed upon note rate. This loan will then be discounted to 0.00% for 90 days. Rates and Terms are subject to credit approval. If the loan goes into default under the terms of the note any time during this 90 day period, the Introductory Rate will then convert to the standard "Note Rate". The promotional conversion from the Introductory Rate back to the Note Rate, will take place on or after the first business day following the full 90 day period after the booking date. Minimum loan amount is $500 and maximum amount is $40,000. Maximum term is 60 months and loan proceeds may not be used to pay on any current FIGFCU loan or credit card balance. Promotional rates and terms are being offered from 1/1/2014 to 5/31/2014 but may be changed or discontinued at any time. **APY = Annual Percentage Yield. Yields are subject to change at any time. Fees could reduce the earnings on an account. This Credit Union is federally-insured by the National Credit Union Administration.
2APR = Annual Percentage Rate. Balance Transfer 2.99% APR is for 12 months. Promotion applies to qualifying Farmers Insurance Group Federal Credit Union Visa credit cards, excluding the Agency Secured Visa Credit Card. Purchase APR as low as 8.99%. Special balance transfer offer valid for qualifying transfers made 1/01/2014-12/31/2014. The promotional Annual Percentage Rate (APR) offer includes the waiving of transaction fees and a limited time promotional APR that is lower than the Standard Rate and Terms provided in our Credit Card Agreement. Only promotional Balance Transfers that are identified as the Promotional Offer are available to receive the promotional rate and terms. There are no fees charged to transfer balances made using this promotion which is subject to change at any time. All new applications are subject to terms, conditions and credit approval. Offer only valid for balance transfers from credit card/loan balances from other financial institutions, and may not be used to make payment on this or any other credit/loan account issued by FIGFCU. To maintain the promotional rate the account and all other Credit Union accounts, must remain in good standing, and may increase to the Standard Rate/or default rate upon default or other delinquency related reason. The promotional rate will be in effect for the following twelve (12) billing cycles from the date of the initial Balance Transfer. The promotional rate will apply to subsequent Balance Transfers based on the original transfer transaction date. The Average Daily Balance Method as described in our Credit Card Agreement (and periodic statement) is used to compute your balance amount subject to finance charge. We will allocate your payments to balances with the higher APRs before balances with lower APRs. For full disclosures or to take advantage of the promotional rate, call us at 800.877.2345, or visit an FIGFCU branch. This Credit Union is federally-insured by the National Credit Union Administration.
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