Langley Federal Credit Union. Spirit of community. Warmth of family. Pride of membership.

* 4.99% 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 card's standard APR of 10.00% to 14.50% for your account shall apply. New balance transfers after March 31, 2012 will be at the card's standard rate of 10.00% to 14.50% APR. The promotional rate is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards and 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 received and 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. The promotional APR for balances transferred will remain in effect through the January 2013 credit card statement cycle - after which time any unpaid 4.99% balance transfers will carry your card's standard rate of 10.00% to 14.50% APR. Transfers must be made by March 31, 2012. Offer applies to consumer credit cards only.

** 1% Cash Back offer paid only for the refinancing of non-LFCU loans, including credit card balance transfers of at least $100. Offer subject to change without notice or may end at any time. Restrictions apply. No other discounts or offers apply. Credit Card Convenience checks do not qualify for 1% Cash Back offer. LFCU retains the right to add the cash back deposit amount to your loan balance if the refinanced debt is paid off within 12 months.