Purchase APR: 11.99% to 21.99%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 11.99% to 21.99%, based on creditworthiness and will vary with the market based on Prime rate. Cash Advance APR will be 16.99% to 26.99%, based on creditworthiness and will vary with the market based on Prime rate (5.25). Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.Introductory terms are for new cardholders only. If you have received the benefit of a card promotion on an OCCU credit card product in the past 24 months you are not eligible for this promotion. We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. Membership and eligibility restrictions apply.Rates and terms effective as of 10/01/2018, when this content created. Contact OCCU Card Services at 800.365.1111 for current rates and terms.