|Product||APR* as low as|
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*Conditions of Offer: Not all members qualify for this offer. Which promotional APRs for Purchases and Balance Transfers that a qualified member receives is based upon such member’s standard APRs for Purchases and Balance Transfers. Purchases made and balances transferred within 60 days of card opening retain a promotional APR for 12 months from card opening date. After that, the APR changes to the Purchase APR and Balance Transfer APR in effect which is currently 11.24% to 12.24% Variable APR for Essential Mastercard as of 4/1/19 and subject to change. We will begin charging interest on balance transfers on the transaction date. If payment is ever 90 days or more past due; the promotional APR is forfeited and reverts back to the Purchase and Balance Transfer APR then in effect and applies to the entire outstanding promotional balance. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Disclosures for Special Offers or Card Agreement & Disclosure Statement for more information.