¹³All loans are subject to credit review and approval. The Annual Percentage Rate (APR) is variable and may change at any time. The APRs are accurate as of 01/01/2023 and are based upon your creditworthiness and the index plus a margin and will vary with Prime Rate (the index) as published in the Wall Street Journal.†Earn unlimited 1.5% cash back on every purchase; you will earn 1.5 points for every $1.00 spent. Cash advances and balance transfers are not eligible for the 1.5% cash back rewards.*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for more information. **Certain terms, conditions and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for more information.***Your liability for the unauthorized use of your Card at a Debit/POS merchant is as follows: You will have zero liability for the unauthorized use of your Card provided: (1) you used reasonable care in safeguarding the Card from risk of loss or theft; (2) you have not reported two or more incidents of unauthorized use to the Credit Union in the immediately preceding 12 month period; and (3) your account is in good standing. In all other situations, the maximum liability for unauthorized transactions at a Debit/POS merchant will be $50.00. Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to, certain commercial credit card transactions, ATM transactions, PIN or other transactions not processed over the Visa network. Cardholder must notify issuer promptly of any unauthorized use. Contact issuer for additional details.