*Promotional rate of 6.99% Annual Percentage Rate (APR), applies to qualifying balance transfers from 01/01/2025 to 03/31/2025. To take advantage of this offer, balance transfer requests must be submitted by 03/31/2025. 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, purchases, balance transfers, and cash advances. 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 by 12/31/2025 or if the account is delinquent for 30 days or more during the promotional period. 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 or to apply, Contact Us or call 1.877.964.3262.