Mastercard® Effective Date: October 28, 2016 Product Annual Percentage Rate (APR)* as low as Mastercard 9.24% Variable Rate * Read Important Disclosure *Your APR, including any promotional APR, will be determined based on our internal credit criteria. Periodically we will evaluate your credit information and at such time your margin is subject to increase or decrease, which impacts your APR. Minimum and Maximum credit limits apply. The Variable rate is subject to change quarterly based on the highest Prime Rate published in the Wall Street Journal. Card Agreement and Disclosure Apply Now Receive a special offer?1 Get Started 1Not all members qualify. Please see our Disclosure for Special Offers for more information. Included with all of our credit cards: Interested in one of our other credit cards? Cash Rewards Mastercard Earn 1% rebate on all your purchases. Flex Rewards Mastercard Earn points on all your purchases & choose the rewards you want. Interested in one of our other credit cards? Cash Rewards Mastercard Earn 1% rebate on all your purchases. Flex Rewards Mastercard Earn points on all your purchases & choose the rewards you want. Already have our card? Whether you're looking to transfer balances to your card, increase your limit or learn more about the features of your VACU Mastercard, our resources can help. View our Cardholder Resources *Conditions of Offer: You must be a VACU member in good standing; not all members qualify for this offer. Which promotional APR for Balance Transfers that a qualified member receives, is based upon the member’s standard APR for Balance Transfers. Balances transferred from other lenders from 10/1/16 to 12/31/16 retain a promotional APR for two years from the posting date. After that, the APR changes to the Balance Transfer APR then in effect which is currently 9.24% - 11.24% Variable APR as of 10/1/2016. We will begin charging interest on balance transfers on the transaction date. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU reserves the right to decline any balance transfer request. Refer to VACU’s Variable Credit Card Disclosure Statement for more information.