You must be a member of Agriculture FCU to apply for this credit card. Purchase APR: 9.25% to 16.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance Transfer APR: 2.99% Promotional Rate may change at any time without advance notice, applicable for 12 months from the first qualifying transaction. Rate quoted is for balance transfers from non-Agriculture Federal Credit Union accounts only. 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: $25 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Cash Advance Fee: 2% of the amount of each cash advance. No Balance Transfer fees. No Foreign Transaction fees. Penalty APR: None.