Balance Transfer Offer
Break free from high-interest credit card debt
1.90% APR on transferred balance for 9 months, then 8.99%–13.99% APR²
Transfer your balances from high-interest credit cards to a Lanco FCU Platinum Visa® and enjoy 1.90% APR for 9 months*. The best part? Unlike a lot of other cards, there’s no balance transfer fee, and moving forward rates are as low as 8.99% APR*.
To take advantage of this limited-time balance transfer offer…
Current Cardholders:
Speak with a Lanco FCU lender to request this promotional rate.
Call (717) 569-7180 or fill out the request form to get started.
Please note the following:
- The balance transfer request must be made through a Lanco FCU lender. Transfers initiated online will be processed at the regular rate.
- Transferred balances may not cause you to exceed your credit limit.
- If you have not recently applied for credit with Lanco FCU, a credit pull may be necessary to determine your eligibility for the promotional rate.
New Cardholders
If you do not have a Lanco FCU credit card, get started by applying online to open a credit card. A lender will contact you regarding your application, and upon approval, can help you transfer balances from your high-interest cards. If you have any questions, give us a call at (717) 569-7180.
Enjoy the benefits of a Lanco FCU Platinum Visa credit card:
- Rates as low as 8.99% APR¹
- Credit limits up to $20,000¹
- No annual fee
- No-fee balance transfers
- No-fee cash advances
- Rewards points to redeem for cash back, travel, merchandise, and more²
Balance Transfer Request
This offer is only available through a Lanco FCU lender. Call (717) 569-7180 or complete this form to get started.
*Promotional APR of 1.90% is available on transferred balances for applicants with a minimum credit score of 660 when the transfer request is made through a Lanco FCU lender. Promotional APR will be effective for 9 statement cycles, after which the regular APR for balance transfers will apply to any remaining balance. Regular APR currently ranges from 8.99%-13.99%, based on credit score. Balance transfers access credit under the terms of, and payments made to your account will be applied in accordance with, your Lanco FCU Consumer Credit Card Agreement. This offer may not be used to pay off any Lanco FCU loan or be made payable to cash, yourself, or any joint owner(s) of your account. This offer is accurate as of 1/1/2023 and may be changed or withdrawn at any time.
¹Based on qualifications. Accurate as of 1/1/2023.
²Every dollar in qualifying purchase transactions minus returns (“Net Purchases”) that you make with your Lanco FCU Platinum Visa credit card earns one point. No points are earned for purchases that require the use of your PIN (including cash advances, ATM withdrawals), finance charges, fees, foreign transaction currency conversion charges, or insurance charges posted to your account. Points expire 3 years after accumulation. Should your Visa account become 60-Days delinquent, all points accumulated at that time will be forfeited and will continue to be forfeited until account is brought current.
| Important Information | |
|---|---|
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 8.99% – 13.99%, based on your creditworthiness. |
| Regular APR for Balance Transfers | 8.99% – 13.99%, based on your creditworthiness. |
| Promotional APR for Balance Transfers | 1.90% APR for 9 billing cycles. After that, your APR will revert to the Regular APR for Balance Transfers. |
| APR for Cash Advances | 8.99% – 13.99%, based on your creditworthiness. |
| Penalty APR | None |
| How to Avoid Paying Interest on Purchases | If you pay your entire balance in full each month, you have at least 25 days after the close of each period to pay your balance on purchases without being charged interest. |
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov. |
| We reserve the right to change your rate 12 months after opening your account. Creditworthiness may be reviewed every two (2) years. | |
| Fees | |
| Annual Fee | None |
| Transaction Fees | |
| • Balance Transfer Fee | None |
| • Cash Advance Fee | None |
| • Foreign Transaction Fee | 1% on single and multiple currency conversions |
| Penalty Fees | |
| • Late Payment Fee | Up to $25.00* |
| • Over-the-Credit Limit Fee | None |
| • Returned Payment Fee | Up to $25.00* |
| How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". *Late Payment Fee and Returned Payment Fee are $25.00 or the amount of the required minimum payment, whichever is less. Late Payment Fee applies if you are 10 or more days late in making a payment. |
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