*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines and verifications. Introductory balance transfer rate applies for 12 billing cycles. Balance transfer offer applies to the payment of loan balances at other financial institutions only. Balance transfers do not earn rewards or rebates. Balance transfers from any existing accounts with Sacramento Credit Union will not be accepted. Offer and interest rates subject to change without notice. Limited time offer valid January 9 to February 21, 2020.