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Balance Transfer

*APR = Annual Percentage Rate. Balance Transfer 2.99% APR is for 12 months. Promotion applies to qualifying FIGFCU credit cards. Purchase APR as low as 8.99%. Special balance transfer offer valid for transfers made 1/01/2013-12/31/2013. There are no fees charged to transfer balances made using this promotion. Rates, fees and terms are 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. To maintain the promotional rate the account must remain in good standing, and may increase to the Standard Rate upon default or other delinquency related reason.

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. Transfers via Convenience Checks, PC-TIED, Service Centers and FONLINE do not qualify. All other cash advances will be subject to the standard rate and terms of the Credit Card Agreement. Minimum advance amount is $50, 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. (i.e., If the original Balance Transfer is made January 2013, the rate will be in effect until January 2014, and any subsequent transfers will also have the promotional rate until January 2014). Balance transfers are allowed up to the credit cardís available limit. Balance Transfers are subject to membership in good standing, account status, delinquency, and credit availability.

There is no grace period for Balance Transfers. Finance Charges accrue from the 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.

If you pay late or exceed your credit limit, then as of the first day of the billing cycle in which that occurs, the promotional offer, rate and terms may end. You may not use a Balance Transfer to make payment on this or any other credit/loan account issued by FIGFCU. We will allocate your payments to balances (including new transactions) with the higher Annual Percentage Rates (APRs) before balances with lower APRs.

To get the promotional rate, you must fill out the online balance transfer form, call us at 800.877.2345, or visit an FIGFCU branch.

© 2013. Farmers Insurance Group Federal Credit Union. All Rights Reserved.