You must be a member of Agriculture FCU to apply for this credit card. Balance Transfer APR: 2.99% Promotional Rate may change at any time without advance notice. Qualification for a VISA Classic/Platinum is based on a credit evaluation and other factors. Certain restrictions and conditions may apply. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Late Payment Fee: $35 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $30 or the amount of the required minimum payment, whichever is less. Cash Advance Fee: 2% of the amount of each cash advance. No Balance Transfer fees. No Foreign Transaction fees. Penalty APR: 17.90%; if your account becomes 60 days delinquent, the rate will be increased to 17.9% APR and remain at that rate until it has been current for 6 months, after which the rate will revert to its original percentage.