Visa Balance Transfer with UMCU
Visa® Balance Transfer with No transfer fee
Let’s work together to make 2025 the year you achieve your financial goals. Believe it or not, the average credit card charges over 20% interest.
UMCU is here to help! Now through March 31, 2025, enjoy 3.00% APR* for the first six months when you transfer your credit card debt from another financial institution to a UMCU Visa® Platinum Signature Card or Visa® Platinum Cash Reward credit card. Plus, NO balance transfer fee!
offer available through March 31, 2025*
it's as easy as 1, 2, 3!
Step 1 - Transfer: Call, visit a branch, send us a secure message via your online banking portal, or fill out the forms online to start the balance transfer process.Choose whether to transfer your high-interest balances to our Visa Platinum Optimum or Visa Cash Back card.
Step 2 - Pay: Once the balance transfer is complete you'll 3.00% on the amount you transfer! And enjoy the 3.00% interest rate on all new purchases made before March 31, 2025.
Step 3 - Save: Continue using your low-rate UMCU card even after promotion ends and save big!
Visa® Balance Transfer Next Steps
Online Secure Form
Start the transfer using the convenient online form.
Online Banking or Mobile App
Easily apply through online banking or our UMCU mobile app.
By Phone
Contact one of our team members and they would be happy to assist you with your goals. Give us a call.
In Person
Stop in at one of our branch locations and get in-person attention to help answer any questions.
Insured by the National Credit Union Administration (NCUA).
*During our promotional period from February 3, 2025 through March 31, 2025, the offer of 3.00% interest rate for 6 months applies to balances transferred from another financial institution, with no balance transfer fee. The balance will transfer to your choice of a Visa Platinum Optimum or a Visa Platinum Cash Rewards credit card. Following the balance transfer, you may also use your VISA credit card to make additional purchases at 3.00% during the promotional period. After the 6-month term, if the balance is not paid in full from the transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 6-month period begins on the posting date of each transaction. Finance charges include 1% foreign transaction fee, $2 non-UMCU/non-Co-op ATM fee, and $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on the card program selected. For new applicants this offer is subject to credit approval, and the rate is based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice.