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1. APR= Annual percentage rate. Maximum APR=18% APR. Loans subject to credit approval. Intro rate  ends after first six billing cycles; post-promotional APR is variable and ranges from 8.99%-18% based on your creditworthiness. 1.99% intro rate applies to balance transfers and new purchases made six months from approval. Certain restrictions apply.
2. For Variable Rate accounts, the interest rate is subject to change on the statement cycle date to reflect any change in the index and will be determined by the Prime Rate on the first day of each calendar month of each year as published in The Wall Street Journal “ Money Rates” table to which we add a margin. The Interest Rate will never be greater than 18%. Any increase in the Interest Rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new Index which is based upon comparable information.
3. Ask a credit union representative for complete CU Rewards and CU Select (Signature Rewards) Program Rules & Conditions.
4. Transactions must be posted to account with in the first 90 days of account opening.
5. See card terms and conditions for specifics.
6. Cardholders only receive double points for transactions that process in a MMFCU field of membership ZIP code. For example, if a local retail store does not process the transaction through a local ZIP code and processes it in another state, the purchase does not qualify. Eligible MMFCU ZIP codes.
7. New Mid Minnesota credit card holders only.
8. Information and rates shown as of 9/1/2020.