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*Source: http://www.consumercredit.com/financial-education/financial-calculators/credit-card-interest-calculator.aspx, and APR means Annual Percent Rate. Does not apply of existing Access Credit Union loans. 
**As low as rate. Rates of 14.9 and 15.9 are available in different VISA products offered by Access CU.
***Savings example based on average credit card APR as quoted by creditcards.com for credit cards as of 12/05/2018 and consumerscredit.com credit card calculator – assumes minimum monthly payments of 3% on existing credit card balances. Your actual minimum payment, payoff time and cost will depend on your individual rates and terms as well as any future credit card activity. 
****ACU loan example assumes principal balance ($10,000), APR (10.8%), minimum payment calculation of 3% or $35, and total amount to be paid pack ($14,012.33). 
† Individual increases can vary. According to FICO, paying off a credit card completely and leaving it open can yield an average of a 50 point (+/- 10 points) increase. 

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