You will receive a disclosure with rates and terms specific to your account when your credit card is opened. This disclosure provides specific details regarding your Visa® Platinum Credit Card including rates, fees, and terms.

~The use of a Secured Visa® Platinum Credit Card is not guaranteed to improve or establish your FICO® score, or guarantee approval for another loan product. Your loan request will be evaluated based on your individual creditworthiness at the time of loan application. The rate and terms will be set based on a review of income, verification of employment, loan-to-value assessment, and other underwriting guidelines. ***Balance Transfer Offer: All existing payment terms apply. CTFCU reserves the right to withdraw this offer at any time. New and Existing Accounts: The APR for balance transfers is 0.00% APR, on the amount transferred for 9 billing cycles. For all other activity on this card (i.e. purchases, cash advances, etc.), the standard APR will apply to those amounts, pursuant to the credit card opening disclosures. After the Introductory Rate period expires, the APR (Annual Percentage Rate) will automatically increase to the prevailing rates as stated in the credit card opening disclosures. This APR will vary with the market based on the Prime Rate as listed in the Wall Street Journal. The Standard balance transfer fee of 3.00%/$10 MIN will apply to all existing card accounts established for more than 60 days. New accounts only: For all new CTFCU Visa® Platinum Credit Cards, during the first 60 days following the opening of your account, the standard balance transfer fee will be waived. The amount available for transfer is limited to the amount of available credit on your account at the time of processing. Pending transactions, fees, or other restrictions could affect the amount of available credit on your account. Loss of Promotional Balance Transfer APR: We reserve the right to modify your promotional balance transfer APR in accordance with the credit card opening disclosures, and apply the prevailing non-introductory APR, if you are 60 days late in making a payment during the promotional period. Minimum Age: 21 years, unless the member has submitted financial information indicating the member has an independent ability to make the required minimum periodic payments or a signed agreement with a cosigner, guarantor, or joint applicant who is at least 21 years old.