No balance transfer fees will apply. After the first eighteen billing cycles, your card’s variable APR of 11.24% – 22.99% will apply.


You can begin the balance transfer process through Online Banking by completing the form found under “Secure Forms” and then “Credit Card Balance Transfer.”

If you are not signed up for Online Banking, call us at 800.991.2221 or stop by an office so one of our member service representatives can assist you.


*4.99% APR available for balance transfers greater than $249 made January 1, 2019, through March 31, 2019. The 4.99% APR balance transfer rate is good for 18 billing periods from the date of the first balance transfer. After this date, unpaid balances revert to your regular card rate (11.24% – 22.99% APR). Balance transfers will be processed as cash transactions and will incur finance charges immediately. The minimum payment will be applied to lowest rate balances first while all payments exceeding the minimum payment due each billing period will be applied to balances with high APRs prior to balances with low APRs. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Both new and existing personal cards are eligible for the promotion. Rewards points are not awarded for transferred balances. Only members with accounts in good standing are eligible. For more details, please refer to your truth-in-lending statement or the card member agreement accompanying your card. Approval subject to credit review. Promotional rates, fees, and terms subject to change and may be terminated at any time.