1. One hour loan decisions during branch hours and next day loan decisions after branch hours are contingent upon receipt of all required application information.
2. 0% introductory ANNUAL PERCENTAGE RATE (APR) is effective for nine (9) months after account opening. Thereafter the APR for purchases, balance transfers, and cash advances will be a variable rate that may adjust monthly and will be the sum of an “Index” plus a “Margin.” The “Index” for any given month will be equal to the Prime Rate published in the Selected Interest Rates section of the Federal Reserve website at www.federalreserve.gov fifteen days prior to the beginning of each month. If the Selected Interest Rates section is not updated that day, we will select the rate on the next day it is updated. If the Index changes on or before this day in any given month, your APR and monthly periodic rate will change on your monthly periodic statement that is produced on or after the first day of the following month. On March 18, 2019, the applicable Prime Rate was 5.50%. The “Margin” will be 5.9%, 9.9%, or 14.65%. Your APR thus equals the Prime Rate of 5.50% plus 5.9%, 9.9%, or 14.65%, with an APR of 11.40%, 15.40%, or 18%, depending on your credit score at the time of your application. The APR may not exceed the maximum rate allowed by the National Credit Union Administration, currently 18%. The maximum rate on this card may change if the NCUA changes the maximum rate permitted. If the APR increases due to an increase in the Index, you may pay more in finance charges and it may take you longer to pay what you owe in full. Your total combined PFFCU Personal Line of Credit, PFFCU Visa Line of Credit and PFFCU Signature Loan balance cannot exceed $30,000. This offer is not valid after December 31, 2019 or you have responded to another offer from us within the last 90 days. Offer is valid for PFFCU members who do not have a PFFCU Credit Card.
3. Qualified purchases do not include cash advances, convenience checks, or returns.