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*APR=Annual Percentage Rate. 0.00% APR valid on purchases and balance transfers for qualifying members . Promotional rates apply to first twelve (12) billing periods on new credit card accounts; balance transfers must be completed within 90 days of card account opening. After promotion, Regular APR of 16.49% - 31.24% will apply. Offers apply to all credit card types (except Savings/Share Secured). Subject to credit approval. Rates are variable and may change. Balance transfer fee of 3% or $10 (whichever is greater) applies. Balance transfers not available for current Financial Partners credit card or loan balances.