Fee

NONE

Annual Percentage Rate (APR) for Balance Transfers

Promotional APR is valid through your January 2011 billing cycle. Promotional rates will vary depending on primary applicant’s credit score (Platinum 1.99% and Classic 4.99% for credit scores 700 and above, Platinum standard rate and Classic standard rate for scores 699 and below).

After your January 2011 billing cycle, the standard rate for your card at that time will apply. Your standard APR may vary with changes to the Prime Rate. We calculate your APR by adding a margin to the Prime Rate. The margin will change semi-annually based on your credit score. Scores will be obtained in January (for April interest rate changes), and July (for October rate changes) by Equifax.

Process Balance Transfer By Date

You must process your balance transfer between June 1 and July 31, 2010 for the promotional APR to apply. If you request a balance transfer after that date, we may still honor the transaction but you will not receive the promotional APR. Instead, the standard APR for your card will apply.

Paying Interest

Finance charges will accrue on balance transfers from the transaction date until they are paid in full.

Limitations

Promotional APR is valid for balance transfers only from other institutions. Transactions must be a minimum $200 to qualify. VISA checks negotiated at any HAPO CCU location will be considered cash advances and carry your card’s standard rate.

Payment Allocation

Your minimum payment due will be applied to promotional rate balances with any excess being applied to the balance with the highest APR.