*APR = Annual Percentage Rate. 3.65% APR applies to external balance transfers only. Rate valid for 365 days from day loan is finalized. After the promotional term, your rate will return to the then current rate as determined in your Credit Line Account Agreement and Disclosure. To receive the promotional balance transfer rate, the transfer must be completed during the promotional period: July 22 - 27, 2019. After the promotional 365 days term, the rate for balance transfers will revert to the current rate as determined in your Credit Line Account Agreement and Disclosure. Purchases, cash advances, and internal balance transfers do not qualify for the promotional rate. The non-promotional rate for purchases, internal balance transfers, and cash advances is 10.50% APR and may vary as disclosed in your Credit Line Account Agreement and Disclosure. Non-promotional rate valid July 1, 2019 and subject to change without notice. Annual Percentage Rate and term determined by members’ creditworthiness. Subject to approval. Some restrictions may apply.