*APR denotes Annual Percentage Rate. Shell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County, TX can bank with Shell FCU once a $5 savings account is established for membership. Shell FCU reserves the right to discontinue promotions without notice at any time for any reason. Other restrictions may apply, ask a Shell FCU Representative for details, or see full Disclosures, Agreements and Benefits available at www.shellfcu.org/products/creditcards. New Cards: Qualifying Shell FCU loan criteria applies for all loans. The 2.99% introductory APR available on the Platinum and Signature cards for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first 12 billing cycles following the opening of your account. The 2.99% APR for 6 months balance transfer promotion is available on the Signature Preferred card for balance transfers processed no later than end of business on October 15, 2023. Grace periods do not apply to balance transfers and funds cannot be applied as payment to another Shell FCU loan or credit card. After the introductory or balance transfer promotion period ends, your APR will be based on creditworthiness and will not exceed 17.99% and an annual fee of up to $45 may be assessed. Existing Shell FCU Credit Cardholders: Balance transfers are subject to credit availability and processed in accordance with your Credit Card Agreement, which determines your Balance Transfer Annual Percentage Rate. Grace periods do not apply to balance transfers and funds cannot be applied as payment to another Shell FCU loan or credit card. The Balance Transfer Promo of 2.99% APR for 6 months is available on all qualifying card types for balance transfers processed no later than end of business on October 15, 2023. After the balance transfer promotion period ends, your APR will be based on creditworthiness not to exceed 17.99% and an annual fee of up to $45 may be assessed.