¹ To be eligible for the $100 statement credit, $1,500 in net purchases (i.e., purchases minus credits and returns) must be made with your Sunward credit card within 90 days of the new account opening. Account must be open and in good standing at the time credit is awarded to receive the credit. These transaction types do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by Sunward, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN). This account is eligible for one statement credit of $100. Please allow up to four weeks after spending $1,500 to receive the credit.

All new applications are subject to terms, conditions, and credit approval. Not applicable to current credit card customers.

² 0% introductory APR for 12 months from the first qualifying transaction on balance transfers completed within the first 90 days after account opening. After that, you will be charged the standard APR for balance transfers. As of January 14, 2026, the standard APR is 15.75% to 18.00% for the Visa Signature Credit Card, and 13.00% to 15.50% for the Visa Platinum Value Credit Card. This APR will vary with the market based on the PrimeRate. Introductory APR is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You can't transfer balances to pay off other accounts issued by Sandia Laboratory Federal Credit Union. You should not initiate a balance transfer in the amount of any disputed purchase or charge, as you may lose your rights to dispute that purchase or charge. You must continue to make your required monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Sunward will not be responsible for any finance charges or late fees you incur on your other account as a result of a balance transfer request. We will not close your other accounts, even if you transfer the entire balance - please contact other creditors directly. Balance transfer requests may not exceed your available credit at the time we receive your request. Your accounts at Sunward must be in good standing at the time the balance transfer offer is processed. Cash-back rebates are not earned on balance transfers. Any balance transfers processed after the promotional period will incur finance charges at the standard Balance Transfer rate. Offer ends April 30, 2026.

³ Interest Rates, Charges, and Fees

Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin: For the Visa Platinum Value card, Purchases, Balance Transfers, and Cash Advances will be charged at 5.65% above the Index. For the Visa Platinum Rebate card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.90% above the Index. For the Visa Signature card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.40% above the Index.

To report a lost or stolen credit card, call 866.820.4924. If you receive a call regarding a blocked transaction on your personal credit card, call 888.918.7313.