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*APR=Annual Percentage Rate. We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account.

¹Life of the Balance Special Balance Transfer Offer - The special offer is effective as of January 15, 2026. The promotional period is 01/15/2026 through 03/31/2026. The special offer includes rates as low as 6.99% APR for balance transfers; however, your actual rate may vary due to creditworthiness. Your special APR will apply to balance transfers made during the promotional period for the life of the balance transferred and until that balance is paid in full as per your cardholder agreement. Your account may be subject to a 2% balance transfer fee for every balance transferred. Please refer to your account Rate and Fee disclosure. The minimum balance transfer amount is $250. This offer is non-transferable. Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You must transfer balances before March 31, 2026 for the promotional APR to apply. If you transfer a balance after March 31, 2026, we may still honor the balance transfer but you will not receive the promotional APR. Instead, the standard APR for cash advances will apply. Balance transfers and/or cash advances do not earn rewards points. To the extent your payments exceed the minimum payment due each billing period, we will apply them to the balances with higher rates prior to the balances with lower rates. Balance transfers are treated as and considered cash advances as described in your Credit Card Agreement; will begin to accrue finance charges from the date it is posted to your account; and are subject to credit availability. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. Andrews Federal Credit Union will not be responsible for any finance charges or late fees incurred due to your nonpayment. If you transfer your entire balance in order to close an external account, you must contact the issuer directly. We will not close your accounts with other financial institutions. Additional restrictions may apply.

²10,000 Bonus Points - 10,000 bonus points will be earned with $1,500 purchase within 90 days of card opening.

Additional Disclosures:

• Titanium Rewards Disclosure
• Credit Card Agreement and Disclosure Statement
• SUPREME/TITANIUM REWARDS SIGNATURE/SUPREME REWARDS/SUPREME REWARDS SIGNATURE /PLATINUM REWARDS SECURED Application and Solicitation Disclosure
• Visa Card Guide to Benefits Standard Protection Package