Your Best Card: A Closer Look at Our 3.99% Intro APR Offer

For a limited time, qualifying Education First FCU credit cardholders can take advantage of a 3.99% introductory APR for the first six months 💳

Whether you're making a planned purchase or working toward paying down a balance, those six months can be an opportunity to put your money toward your goals instead of interest. Here's what you should know about the offer and how to make the most of it.

What is 3.99% APR?

APR stands for Annual Percentage Rate, which represents the yearly cost of borrowing money with a credit card. Generally, a lower APR means you’ll pay less in interest when you carry a credit card balance from month to month.

With this promotion, eligible new cardholders can receive a 3.99% introductory rate for the first six months. During the introductory period, eligible balances are subject to the promotional 3.99% intro rate instead of the card’s regular APR.

A lower introductory rate can help you save on interest while you pay down a balance, making it an option worth considering if you’re consolidating credit card debt, making a large purchase, or working toward paying off a balance. Keep in mind that the card’s regular APR will apply after the six-month introductory period; understand the full terms and have a plan for your balance.

How Can a 3.99% Introductory APR Help?

• Consolidate higher-interest debt from another financial institution:  If you’re carrying balances on higher-interest credit cards elsewhere, you might qualify to transfer that balance (without a balance transfer fee) to receive a lower introductory APR and spend less money overall on interest.
• Make a large purchase: A lower introductory rate can provide breathing room for a planned purchase, allowing you to spread payments over time while paying less interest during the introductory period.
• Pay down your balance: With less of your payment going toward interest, you can put more toward your principal balance. Additionally, we recommend creating a six-month payoff plan to help you make the most of the introductory rate.

Tips for Making the Most of a 3.99% Introductory APR

A lower introductory APR can help, but how you use the promotional period matters. Keep these tips in mind to make the most of your introductory rate:

• Create a payment plan: Determine how much you need to pay each month to make meaningful progress toward your balance before the six-month introductory period ends.
• Make payments on time: Staying current can help you avoid fees or other consequences and keep your account in good standing.
• Know when the introductory period ends: Mark your calendar for the end of the six-month promotional period and review the card's regular interest rate. Having a plan before the introductory rate expires can help you avoid unexpected interest costs.

Putting Your Credit Card to Work for You

A 3.99% introductory APR can help you save on interest while paying down a balance, making a planned purchase, or consolidating higher-interest credit card debt. The key is understanding the offer terms and having a plan for your balance.

If you’re looking for a credit card with a low intro rate, Education First FCU may be able to help. New Education First FCU cardholders can take advantage of a 3.99% introductory APR for the first six months, subject to applicable terms and qualifications.

Explore the full details of the offer and see if an Education First FCU[ER5] totalREWARDS credit card is right for you!