Our Credit Card Promotional Rates are as Low as 1.99% APR
Enjoy the benefits of transferring high-interest credit cards or personal loans at other financial institutions to a CEFCU Credit Mastercard®!
When you consolidate high-interest debt to a lower rate, you can:
- Pay off your balance quicker.
- Save on finance charges.
- Combine multiple payments into one with just one due date.
- Keep better track of what you owe, especially if you have several cards with balances.
No Fees
CEFCU’s no-fee Balance Transfer can save you money, even if a competitor is offering lower rates. Some balance transfer offers include hidden and annual fees, which makes even a 0% APR much more costly.
Use the Balance Transfer Calculator*
to see how much you can save!
Transfer Now!
When you request a Balance Transfer, CEFCU will review your account to confirm you have:
- An active CEFCU Credit Card account in good standing.
- Enough available credit to accommodate the balance you want to transfer.
If you do not have enough, you can apply to have your credit line increased.
Balance Transfers can be approved the same day the request is received; however, if you submit a Balance Transfer request immediately after opening a new Credit Card account, there will be a 10-day delay in processing the Balance Transfer.
Transfer your balances today !
Did you know…
Transfer vs. Payoff: When you transfer your balance, that doesn’t mean it is paid in full. You will have to make payments on the new card.
New card: A new credit card may cause your credit score to go down slightly. However, if you are getting a better rate and can pay off your balances faster, it can help your score more than the negative impact.
*Example is for illustration only, based on rate comparisons as of 1/1/21. CEFCU Introductory APR offer available for new accounts opened through 12/31/2021.