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, 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. Returned Payment Fee: Up to $25. Per the website's FAQ: All the cards come with penalty pricing, which means that 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.