1APR=Annual Percentage Rate. 2Business and Contractor Financing credit cards are excluded. 0% APR offer does not apply to balance transfers. Offer is valid until September 27, 2020 on purchases made February 15, 2020 through April 15, 2020, then the standard purchase APR applies. Your standard APR may vary. Your rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score, economic conditions and other risk factors) to the highest Prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.00%, regardless of the Wall Street Journal Prime Rate. The margin applicable to your account is subject to review every 6 months. After a period of 12 months from card issuance, we may increase or decrease the margin applicable to your account based upon changes in your credit history. We will notify you in accordance with applicable law before we apply any margin increase to your account. The margins will range from 4.90%-13.90% as described in paragraph 5 of your Lafayette Federal Credit Union Platinum Mastercard® Credit Card Terms and Conditions.