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*APR = Annual Percentage Rate. Click here for full product disclosures. Offer valid February 1, 2017 – February 28, 2017. 9.40% variable rate purchase APR = Prime of 3.75% + 5.65% margin. Prime Rate accurate as of January 1, 2017. 720+ credit score is required for the lowest rate. Not all borrowers will qualify for the lowest rate, actual loan rate based on borrower’(s) creditworthiness. Borrowers under the age of 21 may need a qualified co-borrower. All IBMSECU credit card loans may be subject to certain conditions or qualifications, including income, identification and address verification and credit approval. Please refer to a credit card agreement and disclosure available on our website, or contact a Loan Advisor for details on the rates, terms, fees and conditions that may apply. Bonus Offer: Transfer balances of $2500 or more in the first 30 days of credit card opening and you will earn a $50 bonus. $50 bonus is for new credit cards only and new card must be funded by February 28, 2017. Bonus payment will be deposited directly into the Membership Savings account by April 4, 2017. Balance transfers processed during the first 90 days of account opening will receive a 4.90% APR for the life of the transaction and will accrue interest charges from the date posted. Minimum credit score of 660 required for 4.90% balance transfer offer. For Members with a credit score below 660, balance transfers processed during the first 90 days of account opening will receive a rate of 9.90% APR for the life of the transaction. Balance transfer proceeds may not be used to pay down or towards another IBMSECU loan or debt. Balance transfer transactions must be processed by Credit Union personnel. Online Banking and Overdraft transfers are processed as cash advance transactions, therefore, they do not qualify as a balance transfer.