*APR = Annual Percentage Rate. 3.99% Promotional APR applies to Balance Transfers and Standard Cash Advances completed between December 1, 2022 and February 28, 2023 (Promotional Period). Promotional 3.99% APR is effective for fifteen (15) billing cycles. Date of first Balance Transfer made during the Promotional Period sets the beginning of the fifteen (15) billing cycles for all subsequent Balance Transfers. Likewise, the date of first Cash Advance sets the beginning of the fifteen (15) billing cycles for all subsequent Cash Advances. This offer is limited to eligible consumer Columbia Credit Union Visa credit card accounts opened before August 31, 2022. At the end of the promotional fifteen (15) billing cycles, the APR on Balance Transfers and Cash Advances will be your then-current, fully-indexed APR and will vary with the market based on Prime Rate. If you are already being charged a higher Penalty APR for Balance Transfers and Cash Advances, the Promotional APR will not go into effect until the Penalty APR no longer applies to your account. Purchases and Convenience Checks are not included in this promotion. Business Visa credit cards are not eligible for this offer.