1 0% introductory Annual Percentage Rate (APR) offer valid for 6 billing cycles upon opening account, then reverts to standard APR thereafter. APR will vary after the introductory period with the market based on Prime Rate. See Credit Disclosures for applicable rates, charges, fees, and account terms and conditions. Normal underwriting guidelines apply. 2 The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments. 3 All discounts are at the point of sale and must happen in-person. 5% discount at the bookstore and 10% discount at the ice cream parlor and coffee shop. Must notify the employee to receive the discount. 4 Applying does not guarantee approval. Depending on the credit limit received, applicants may have to provide proof of income. Normal underwriting guidelines apply.5 Certain requirements apply. A full list of benefits and requirements are provided when applicants receive their card. Credit cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services.