10. Annual Percentage Rate (APR). Offer available as of 1/3/23. Balance Transfer promotional rate applicable for 12 monthly billing cycles. Starting on the thirteenth month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice. A 4.00% fee will be applied when balance transfer is activated.