*APR = Annual Percentage Rate. Rates quoted are an "as low as" rate and are based on creditworthiness of individual applicant with Auto Pay and Payment Protection. Rates subject to change without notice.

**MasterCard APR will revert to the rate in effect at the end of nine (9) billing cycles. Platinum MasterCard APR may vary annually with the market on November 1 based on the Prime Rate as published in the Wall Street Journal "Money Rates" table to which we add a margin. The APR will never be greater than 18.00%. Qualifying AAA credit rates begin at WSJ Prime Rate plus 5.49%.

***APR on HELOC is variable and subject to change quarterly based on the prime rate. The APR will never be greater than 18.00% and the maximum adjustable rate in one quarter is 0.50%. The maximum adjustable rate in one year is 2.00%. Application fee of $200 within Pennsylvania.

Contact the credit union for complete details, rate information, and disclosures.

Please contact the branch if you will be traveling out of the state or out of the country. Keystone FCU takes debit and credit card fraud very seriously. If you use your card while traveling, our fraud department may block your card to prevent fraudulent transactions. If you notify one of our branches in advance of your travels, we will be able to better monitor the difference between fraudulent and legitimate activity. Please note that our fraud department will always do everything possible to ensure the safety of your funds.