People Before Profits...

Since 1952

Important details on the credit card transfer offer …

• Each special balance transfer must be for $1,000 or more to qualify for these terms.
  
  
• These special balance transfer terms may be changed or discontinued at any time and without notice.
  
  
• Your special balance transfer interest rate will be either 4.99% or 6.99%, depending on your Beacon credit score at the time of your application’s approval. If your Beacon score is 700 or higher, your rate will be 4.99% … if your Beacon score is below 700, your rate will be 6.99%.
  
  
• Your special balance transfer interest rate is a fixed rate and will be effective for 12 months (12 billing cycles) after each qualifying transfer. After 12 billing cycles, your transfer interest rate will revert to your standard contract rate. Standard contract rates currently range from 9.90% to 11.90% depending on program elections that you make.
  
  
• This offer is effective for all balance transfers from other credit card issuers authorized by you and processed by Freedom … including your initial and subsequent transfers …prior to the expiration of 12 billing cycles after each qualifying transfer.
  
  
• Balance transfers are processed as cash advances and are, therefore, not eligible for finance charge grace periods.
  
  
• You will not be assessed a transfer fee by Freedom for any qualifying balance transfer.
  
  
• No Scorecard rewards points will be earned for balances transferred to Freedom.
  
  
• Questions regarding any term or condition of this balance transfer program will be resolved at the sole discretion of Freedom Credit Union.

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