(1) APR is Annual Percentage Rate. Rate quoted is for balance transfers from non-AgFed accounts only. Balance transfer rate applicable for 15 months from the first qualifying transaction. APR will revert to your approved VISA® credit card rate based on card type after 15 months. APR is based on the Prime Rate published in the Wall Street Journal plus or minus a margin and based on evaluation of credit .A balance transfer transaction fee of 3% of the dollar amount of balances transferred will apply per balance transfer, or $10, whichever is greater and will be reflected as a finance charge. This is a limited time offer. AgFed reserves the right to withdraw this offer at any time without notice. Certain conditions and restrictions may apply. Cardholder agreement will be provided when approved. Qualification for the VISA® credit card is based on credit evaluation and other factors. 

(2) No credit check is required, however, the loan payment history will be reported. A non-refundable application fee of $20.00 is collected regardless of whether the application is approved or not. Member must meet all requirements to qualify. To qualify an applicant must be an AgFed member for a minimum of 12 months. Applicant must be a member in good standing, with no negative shares, no AgFed charge-offs, no delinquent AgFed accounts, no delinquencies on any AgFed loans for 12 months. Maximum loan amount is $1,000.00. Only one Pathway Loan may be issued per member and no more than two approved loans per calendar year. The 2nd approved loan, if a refinance of a Pathway Loan, will result in less than $1000 cash disbursed.  AgFed reserves the right to terminate this promotion at any time without notice. Certain restrictions and conditions may apply.