Federally insured by NCUA. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties. *APR= Annual Percentage Rate. 1.9% APR for 15 months valid for balance transfers made within the first 90 days of account opening, After the 15 months promotional period ends, it will revert back to our normal variable rates. Credit, income, and other restrictions apply. Offer may end at any time without notice.