- NO Annual Fee!
- 0% Balance Transfer!1
- Fixed Rate!2
- Includes EMV Chip Technology
- NO Balance Transfer Fee!
- NO Cash Advance Fee!
 0% APR on Balance Transfers will last for 12 billing cycles.
 APR will be at a fixed rate of 12.90% which is a daily periodic rate of 0.0353%
View Terms and Conditions and View the Credit Card Agreement. All Finger Lakes Credit Cards are subject to credit approval.