*6.99% APR applies to transferred balances only. To receive the promotional rate - the balance transfer cannot be less than $100 for each card balance transferred. If it is less, then the regular APR for your account shall apply. New purchases, cash advances and balance transfers after March 31, 2010 will be at the regular rate. Your APR will be determined based on credit worthiness and will range from 10.99% to 14.50% APR. Maximum balance transfer for promotional rate is $20,000 or up to your available credit limit, whichever is less. Special rate is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. The promotional rate for balance transfers will not apply for checks made payable to you, cash or to make payments toward amounts you owe Langley Federal Credit Union. You will need to make sure to continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment, as transfers may not be immediate. Langley FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Any balance transfers or convenience checks processed after the promotional period will incur finance charges at the standard rates. Payments will be applied to any balance at the lower rate before being applied to balances at the card's standard rate. Effective February 22, 2010, if your payment exceeds the minimum payment due each billing period, we will apply the excess payment to balances with the high APR before applying the excess payment to balances with the lower APR. The promotional APR for balances transferred will remain in effect through the January 2011 credit card statement cycle - after which time, new purchases, cash advances and transfers will carry your card's standard rate of 10.99% or 14.50% APR. Transfers must be made by March 31, 2010. **The minimum required to open an account is the purchase of a share in the Credit Union ($5). Membership eligibility required. This credit union is federally insured by the National Credit Union Administration.
Switch & Save Even More with Langley Federal
Break up with your High-Interest Credit Card today!
6.99% APR* Balance Transfer Rate
Take advantage of Langley Federal Credit Union's affordable credit card consolidation option by transferring your high-interest credit card balances to any Langley Federal Credit Card. You'll enjoy a low 6.99% APR* on transferred balances, up to your approved credit limit (maximum limit of $20,000), until January 2011! Any balance remaining after January 2011 will accrue interest at your card's regular rate until it is paid. Better still, there is no limit on the number of times you can transfer.
Your Switch & Save transfer will be posted as a cash advance to your LFCU Credit Card. Interest will accrue from the date of the advance. Each credit card transfer must be at least $100 to receive the 6.99% APR.
Start a relationship with Langley FCU right now, then break the news to your high-interest credit card. Or should we say, your ex-high-interest credit card.
Do you already have an LFCU credit card? If so, you can begin the process to transfer your balances now.
Not a LFCU credit card holder yet? No problem! The first step is to apply for an LFCU credit card to get the process started.
