1. Promotional rate of 3.21% Annual Percentage Rate (APR), applies to qualifying balance transfers from 01/01/2020 to 03/31/2020. To take advantage of this offer, balance transfer requests must be submitted by 03/31/2020. The promotional APR does not apply to cash advances, purchases, and existing balances with Midcoast FCU. Payments made to your account will be applied in the following order: fees and finance charges, previously billed purchases, cash advances, and new purchases. Any amount received in excess of the minimum payment will be applied from the highest APR balance to the lowest APR balance. The promotional APR will revert to the cardholder’s standard APR if the balance transfer is not paid-in-full within 12 billing cycles or if the account is delinquent for 30 days or more during the 12 month billing cycle. The standard APR for purchases, cash advances, and balance transfers is disclosed at the time of credit approval and varies based on your current credit standing. Terms and conditions are subject to change without notice. For additional information and card applications, call 877.964.3262 or visit www.midcoastfcu.me.