Credit Card Balance Transfers
We can help ease the burden. Save money by transferring your current balance to our Visa® Signature Rewards or Visa® Platinum credit card by taking advantage of no interest payments for 12 billing cycles (and a low variable Annual Percentage Rate (APR) thereafter).
Transfer & Save!
Save yourself some extra cash and take a break from paying high interest rates on your credit cards. With a new SCU Credit Union Visa® Signature Rewards or Platinum Card, you'll enjoy a 0% Introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 12 billing cycles and a low variable APR thereafter. That's great savings for a whole year! Plus, we keep our standard rate competitive, so after a year you will continue to enjoy a great rate without an annual fee if you need to carry a balance.
Highlights
- 0% Introductory APR on purchases and balance transfers for the first 12 billing cycles and a variable APR as low as 16.24% thereafter.
- 3% Balance Transfer Fee | Each Advance ($10.00 minimum - $75.00 maximum), whichever is greater.
- The balance transfer fee is typically a percentage of the amount being transferred. While this is an upfront cost, the overall savings in interest could still make the transfer worthwhile, especially if you pay off the balance during the 0% introductory period
- Auto Rental Collision Damage Insurance
- Roadside Assistance
To complete a balance transfer with SCU Credit Union, follow these steps:
- Log in to Online Banking: Access your account through the SCU Credit Union online banking portal.
- Select Account Manager: Navigate to the "Account Manager" section then select " Credit Card"
- Choose Balance Transfer: Click on the option for "Balance Transfer."
- Complete Payee Information: Fill out the required information, including the account number and payment address of the credit card you want to transfer the balance from. This information can usually be found on your statement or payment coupon.
- Verify and Review: Double-check the information you've entered to ensure it's correct, then proceed to submit your request.
If you prefer to handle the transfer in person, you can visit any SCU Credit Union branch for assistance. If you have any more questions or need further assistance, feel free to ask!
Get out of debt
Managing debt is the best way to find financial freedom. This Coach session acts as a virtual Debt Coach, providing useful strategies to manage your personal debt situation and create a plan to pay off your debts using the debt snowball or avalanche methods.
| Features | Visa® Signature Rewards | Visa® Platinum | Visa® Platinum Secured |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Introductory rate for purchases & balance transfers | 0% APR for the first 12 billing cycles | 0% APR for the first 12 billing cycles | 0% APR for the first 12 billing cycles |
| Rate after introductory period on purchases & balance transfers | Variable APR as low as 17.99% | Variable APR as low as 16.24% | Variable APR as low as 17.99% |
| Over Limit Fee | $0 | $0 | $0 |
| Earns Visa Signature Rewards | Earn one point for every dollar spent, redeemable for cash, merchandise, travel and more 2,500 bonus points for new accounts | ||
| Travel and Emergency Assistance Services | x | ||
| Travel Accident Insurance | x | ||
| Auto Rental Collision Damage Waiver | x | x | x |
| Roadside Dispatch | x | x | x |
| Worldwide Travel Accident and Baggage Delay Insurance | x | ||
| 24 Hour Concierge Service | x | ||
| Visa Consumer Alerts | x | x | x |
| Visa Zero Liability Protection | x | x | x |
| * APR = Annual Percentage Rate. | |||
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