is also offering a promotion which offers 4.99% APY for PenFed balance transfers for the first 24 months on those purchases made between July 1, 2011 to September 30, 2011. This offer won't last, so apply soon if you want the great APR on balance transfers. Applying As a PenFed card holder, you must agree to have all your credit card statements sent electronically. By having your credit card statements send electronically, you are helping the environment and protecting your account. … [Read more...]