*APR = Annual Percentage Rate. The APR will be based on the Prime Rate as published in the Wall Street Journal Money section (index) plus a margin between 8.49% and 14.75% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%. Eligibility for the lowest rate which is stated is based on several factors including, but not limited to, credit worthiness, ability to repay, credit score, term, and other conditions. Not all borrowers will qualify for the lowest rate. Introductory rates apply to new credit card accounts only. View Consumer Application and Solicitation Disclosure, Consumer Credit Card Agreement and Disclosure and Business Credit Card Agreement.

**APR = Annual Percentage Rate. Promotional offer available February 1, 2023 through June 30, 2023. The rate will remain in effect until the transferred balance is paid in full. Payments are first applied to balances with the highest APR. Offer valid to cardholders in good standing with available balance. Transfers are for balances not associated with SFFCU, A Division of Guardians CU and all divisions.