Available to Teachers FCU members only. 25 day grace period on purchases. The promotional rate for balance transfers is 1.99%. This promotional rate will extend through twelve billing cycles from your initial qualifying transaction. When the promotional period ends, any new or outstanding balance transfers will revert to the then Standard APR for your card type, which is currently 12.84% for the Visa Cash Back Classic. Balance Transfer Fee: $5 or 2% of the amount of each balance transfer, whichever is greater. Cash Advance Fee (ATM): $5 or 2% of the amount of each cash advance, whichever is greater. Cash Advance Fee (Over-the-Counter): $0.01 or 2% of the amount of each cash advance, whichever is greater (Maximum Fee: $999.99). Foreign Transaction Fee: 1% of each multiple currency transaction in U.S. dollars; 0.80% of each single currency transaction in U.S. dollars. Returned Convenience Check Fee Up to $15.