Special Rates & Bonus

The term “account(s) opened” means the date that the account is entered on our credit card system, which typically is one to two business days after we receive your signed application.

Intro APR of 1.99% on Purchases and Balance Transfers. After the introductory period ends, a variable APR of 13.75% to 23.25% (Non-Rewards), 15.75% to 25.25% (Cash Back) or 14.75% to 24.25% (Rewards and World) on Purchases and Balance Transfers will apply, depending on your creditworthiness and a variable APR of 16.75% to 26.25% (Non-Rewards), 18.75% to 28.25% (Cash Back) or 17.75% to 27.25% (Rewards and World) on Cash Advances will apply, depending on your creditworthiness. These APRs were in effect as of 1/1/24, and are subject to change quarterly with the national “Prime” rate. Contact CEFCU for full details.

If there is a balance on your account and you haven’t paid it in full by the due date each month (including any introductory balance transfers posted to your account), you will lose your grace period on new purchases and interest will be charged on new purchases. We may end your introductory APRs and apply the Penalty APR if you make a late payment.

You must be a CEFCU member in good standing. Intro APR will apply on Purchases for 12 months from the date the account opened. Intro APR will apply on Balance Transfers for 12 months from the date of the Balance Transfer, for Transfers completed during the first 90 days after the account opened. Each Balance Transfer posted during the introductory period will retain the introductory APR for 12 months from the posting date. The total amount of Balance Transfers and the outstanding balance on your account, including fees and interest charges, cannot exceed your available credit limit. See the Disclosures and Terms & Conditions, which will be provided at the time of application, for more details.

For Rewards: Receive double points and for World receive an additional point for all total net sales transactions through merchants (less any return balances) within 90 days of the date the account opened (after 90 days you will earn the standard point(s) per $1 in net purchases, as defined in the Rewards Guide you receive after account opening) OR for Non-Rewards: Make five or more purchases totaling $500 or more in total net sales transactions through merchants (less any return balances) within 90 days of the date the account opened to receive a $50 statement credit or make five or more purchases totaling $1,500 or more within 90 days of the date the account opened and receive a $150 statement credit (for Cash Back Cards). Cash advances, balance transfers, and other select transactions are not included. Qualifying transactions must post to your Credit Card account within 90 days of the date the account opened. Cash back or points will be awarded via statement credit within 180 days of the date the account opened provided accounts are still open and in good standing as of the offer fulfillment date. Limit one offer per member; not valid for existing CEFCU Credit Card accountholders. Certain terms, conditions, and exclusions apply. Full details are in the Guide to Benefits that will accompany your new card.