Caltech Employees Federal Credit Union

GET THEIR PERKS...BUT OUR LOW RATE!

Everyone loves a little “perk” with their purchase — from earning free airline miles with a “rewards” card to getting cash back. But unless you repay your credit card balance in full every month, those perks come with a price! A BIG price…with interest rates typically ranging from 17.95% APR* to 21.95% APR* or more.

Have the Best of Both Worlds!
Simply use your other cards as always. Keep earning rewards, cash back, and special perks. But then...Repay the balance on those cards with your CEFCU VISA!

But it gets even better.

We are offering a special rate of just 3.99% APR* for the first 6 months on ALL balance transfers prior to March 1, 2012!
You can save a small fortune in finance charges and pay off your balance more quickly.

Moreover, you can keep using this “balance transfer” system month after month, as high cost-balances accrue.
For more balance transfers, now or in the future, print out a Visa Transfer Form, and mail it or fax it in or give us a call at 800/592-3328, x402.

Not yet a CEFCU VISA Cardholder?
With a CEFCU VISA Card, you'll enjoy:

NO Annual Fee
A 25-day grace period
No gimmicks. No harsh penalties.
NO BALANCE TRANSFER FEES

Apply directly online, anytime, quickly and easily. To apply, use the WebLoan24 option on CEFCU@HOME. Not yet a CEFCU@HOME user? You may also complete and submit a Loan Request. Or contact us.

Start saving today. Once approved, we'll send you your new card along with 3 Convenience Checks you can use to pay off your current cards, bills, emergency expenses or to give as a gift for a special occasion. It's that simple.

With a CEFCU VISA, you can have it your way and have it all. Now that's a real alternative!

*APR=Annual Percentage Rate

The rate for purchases, cash advances and balance transfers may vary as it is determined quarterly and will equal the U.S. Prime Rate plus a margin of 6.00%; the rate will not be more than 18.00%. The Prime Rate is the highest bank prime rate as published in the Wall Street Journal's Money Rates section on the first day of the previous month prior to the change date. CEFCU may adjust your rate four times a year on the January, April, July, and October billing cycle. Minimum $100 per transfer. See VISA Disclosure.

All credit subject to approval. Rates and terms may change without notice.

CEFCU is an Equal Opportunity and Equal Housing Lender.