2.99% APR (Annual Percentage Rate) is valid for balance transfers processed between 5/15/18 and 6/30/18. Qualifying balances transferred between 5/15/18 and 6/30/18 will be held at the promotional APR for 15 billing cycles from the first balance transfer. After the promotional period ends, the remaining promotional balance will return to a variable APR (9.5% - 18%). Balance transfers are processed as Cash Advances and will accrue interest under “Cash Advance.” Cardholder is responsible for the outstanding balance at the receiving institution until payment is received in full. Promotional APR is valid if credit score is 650 or above. Standard card APR applies for scores 649 and below. Purchases, cash advances, and transfers of any loan balances already held by HAPO will carry your card’s standard APR. Your minimum payment due will be applied to promotional rate balances with any excess being applied to the balance with the highest APR. Federally insured by NCUA.