*1.99 Annual Percentage Rate (APR) is good on balance transfers made within the first 90 days of opening an Argent VISA Platinum Card. Promotional APR for balance transfers is fixed at 1.99% – 5.99% based on your standard variable rate. Please ask a loan officer for details on how your promotional rate is determined. Secured cards excluded. The promotional rate is valid on balance transfers made between 02.01.2023 and 04.30.2023. This promotional rate is valid for twenty-four (24) months from the date of balance transfer. After twenty-four (24) months the rate on transferred, balances will change to the then-current balance transfer APR consistent with the Cardholder Agreement. No fee for balance transfers. We will not process any balance transfer requests that are from any account or loan issued by Argent Credit Union. In order to benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by the payment due date. This includes any promotional balance transfers. You may transfer up to your available limit. Please allow up to 10 business days for payment. Argent Credit Union is not responsible for finance or other charges accrued from other financial institutions because payment was not received by their statement due date.

**Annual Percentage Rate (APR) for purchases is 12.24% – 18.00%. Annual Percentage Rate (APR) for balance transfers is 14.24% to 18.00%. Annual Percentage Rate (APR) for cash advances is 14.24% to 18.00%. The purchase APR is a variable rate which will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 4.74% – 14.74%. Maximum rate: 18.00%. The balance transfer and cash advance APRs are variable rates that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%.  The APR will be based on your creditworthiness and vary with the market based on the Prime Rate.

***Annual Percentage Rate (APR) for purchases is 14.24% – 18.00%. Annual Percentage Rate (APR) for balance transfers is 16.24% to 18.00%. Annual Percentage Rate (APR) for cash advances is 16.24% to 18.00%. 

The APR is a variable rate that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 6.74% – 15.74%. Maximum rate: 18.00%.  The cash advance and balance transfer APRs are variable rates that will be adjusted quarterly to an amount equal to the sum of (i) the Eastern Edition of the Wall Street Journal’s prime rate plus (ii) a margin rate of 8.74% – 17.74%.  Maximum rate: 18.00%. Subject to credit approval.