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. 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. 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 $25 or the amount of the required minimum payment, whichever is less. Returned payment fee is up to $25. 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.