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Adjusted rates are effective as of the first day of the billing cycle in which the change was made. Effective Date: The information about costs of the card described in this application is accurate as of March 1, 2018. To find out what may have changed, contact the credit union at 757-928-8850 or 1-800-928-8801 Rates above reflect a .25% discount for automatic payments.

Interest rates are subject to change from time to time.

Promotional Rate on Balance Transfers: If your minimum monthly payment is not received by the statement closing date, the APR for balance transfers will revert back to the standard APR.Variable Rate Information: Your APR may vary on a Mastercard® Platinum Preferred, Mastercard® Platinum Rewards, and Mastercard® Platinum Cash Back Credit Card.Rates are determined and may be adjusted quarterly by adding a margin up to the Prime Rate published in the Wall Street Journal.The rates shown include all Member Relationship Discounts APRs. All adjustable rate mortgages are three (3) year adjustables.*Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness, your Member Relationship with the credit union, the age of vehicle, and whether or not it is an existing Bay Port loan. This means that the interest rate for the loan may adjust at the end of each three year interval after closing.

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