Pet of the Game

DISCLOSURES

1. Offer valid for Wave Rewards, Platinum Rewards, Platinum Wave, and Select™ Visa Signature® cardholders from July 1 through September 2, 2025. Business credit cards are excluded. Maximum bonus award per account is 15,000 points (equivalent to $150). Bonus points will be posted to cardholder accounts within 4–6 weeks after the promotion ends. Promotional 3x, 4x, and 5x points earning rates are not in addition to your standard points rate. Promotional earning rates represent an upgraded earning rate that replaces your card’s regular points rate for qualifying purchases during the promotional period. For example, if your card normally earns 2x points on certain purchases and you qualify for 4x points during the promotion, you will earn 4x, not 6x, for those purchases. Annual Percentage Rate (APR) on purchases and balance transfers are currently the APRs set forth in the credit card agreements. Visit flcu.org/RewardsHQ for full terms and agreement details.

2. "FCU Local Heroes™" lender credit program: Available to first responders, teachers, licensed medical professionals, and military personnel (active and veterans) for a purchase or no-cash back refinance, first portfolio and FNMA mortgage applications. Brokered loans are not eligible. This program offers a credit at closing of $575. Eligibility requirements apply. This offer is subject to change without notice. Other terms and conditions may apply. Available for new applications submitted on 1/1/2025 and forward. 

3. *Offer subject to change without notice. Balance transfers cannot be used to pay off existing FCU cards or loans. Balance transfer promotional rate offer is valid 09/05/2025–12/31/2025 and does not apply to business or Home Equity credit cards. Minimum transfer amount is $100; maximum transfer is up to your available credit limit. Promotional Annual Percentage Rate (APR) is 4.99% and will be effective for 12 billing cycles after the cycle in which the first transfer takes place. Then the rate on transferred balances will change to the then-current APR for Purchases consistent with your Credit Card Agreement and credit card disclosures. Balance transfers are subject to applicable fees, as outlined in your Credit Card Agreement. FCU will not pay off any FCU loans or make payments payable to an individual. Cash Advances do not qualify for the promotional rate. Balances are not eligible for loyalty or reward points. Upon approval, please allow up to 30 days for processing the transfer and mailing payments. Payments are mailed via USPS. Continue making at least the minimum payments on accounts for which you are requesting transfers until you receive verification that payments have been received by the creditor. Offer subject to credit approval and credit limit availability.