Must be a member of Teachers FCU. Open a new Platinum, Classic, or No Frills card through December 31, 2015 to receive the 1.99% APR promotional rate. Balance Transfers must be a minimum of $1,000. No Balance Transfer Fee for promotional period. Cash Advance Fee (Over-the-Counter): $0.01 or 2% of the amount of each cash advance, whichever is greater (maximum fee: $999.99). Returned Payment Fee: None. Returned Convenience Check Fee: Up to $15.