APR = Annual Percentage Rate
1. Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period. 2. 0.00% introductory APR applies to new purchases and balance transfers made within the first six billing cycles from account opening. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular variable rate. Intro APR does not apply to cash advances. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. Annual Percentage Rate may change after account is opened. 3. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years. 4. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call 1-800-MASTERCARD for assistance. 5. SchoolsFirst FCU’s credit card program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. Rates quoted are effective as of 10/31/19 and are subject to change without notice. Variable rate, subject to change after account opening. Foreign transaction fee: 2% of the transaction in U.S. dollars.