Transfer Balances to VISA
  at 3.9% APR*

Hurry!  Rate Good Through June 30, 2012

Here is a special opportunity to save a lot of money in interest on the balances you are carrying with other lenders’ credit cards! Transfer those high-rate balances to a new or existing Pacific Federal Credit Union VISA and we’ll reduce your rate on the amount transferred to 3.9% APR*!

But don’t wait! This special balance-transfer rate-reduction opportunity ends on June 30, 2012, and we don’t want you to miss out!

If you apply and qualify before the end of June, your balance transfer amount will carry the low 3.9% APR rate for 12 months. You must keep your account current, however, or the entire balance reverts to the normal VISA rate.

No Annual Fee

In addition to our special 3.9% balance transfer rate, PFCU continues to offer fixed VISA rates as low as 7.9% APR*, all with NO ANNUAL FEE! Other credit card issuers have increased their fees or added annual fees, but we haven’t! Our VISA Card has low, fixed rates, no annual fee, a generous grace period on purchases, and worldwide purchasing power. We still offer our qualified members rates as low as 7.9% APR*.

Call us before June 30th to open a new PFCU VISA account or to transfer balances from more costly cards to your PFCU VISA. Don’t miss out on 3.9% APR*!

* On approval of credit. Our special balance transfer promotional rate of 3.9% APR is good for 12 months from your initial transfer date; transfer must be completed by June 30, 2012. The 3.9% rate on purchases is our lowest rate available to well-qualified members. The 3.9% annual percentage rate (APR) finance charge is calculated by multiplying the average daily balance by the daily periodic rate of 0.010685% (corresponding annual percentage rate is 3.9). The 7.9% rate on purchases is our lowest rate available to well-qualified members. The 7.9% annual percentage rate (APR) finance charge is calculated by multiplying the average daily balance by the periodic rate of 0.021644% (corresponding annual percentage rate is 7.9%). The grace period for the new balance of purchases extends to the payment due date. No grace period on cash advances. Accounts that become 30 days delinquent no longer qualify for the promotional rate and will revert to the regular VISA rate.