Balance Transfer

Consolidate high-interest debt to a low rate FCCU Rewards Card to payoff sooner.

Don't have an FCCU Rewards Card or need a credit limit increase to transfer balances? Apply now! Kiss high-interest debt goodbye by transferring balances to an FCCU Rewards or GENIUS Card. Pay off high rate credit cards or consolidate balances to make managing payments easier. Start saving time and money by completing a Balance Transfer today. Don't have an FCCU Rewards or GENIUS Card or need a credit limit increase to transfer balances? Apply now!

Start your Balance Transfer

Application and Solicitation Disclosure

Apply for an FCCU Visa Credit Card Apply for a credit line increase  

 

¹APR = Annual Percentage Rate. Certain credit criteria apply. Rates and terms subject to change without notice. Offer valid for consumer credit cards only. Offer valid for new cardholders. After the balance transfer rate of 0% APR expires, standard rate will be between 11.99% and 17.99% APR based on creditworthiness. If payment is delinquent 2 consecutive months, 0% APR balance transfer rate will be lost and a penalty rate of 17.99% APR will be charged and will remain until six (6) timely payments are made. An account is considered delinquent when payment is not made. A late payment will not result in the loss of the 0% APR balance transfer rate. A late fee may be assessed for late payments. Qualifying balances do not include requests to pay any FCCU account or honor any request to pay “Payee,” “Cash” or any person with your surname. Existing FCCU card holder balances not eligible to transfer to another FCCU card. Minimum payments must continue to be made on each non-FCCU balance that has been requested to transfer to the member’s FCCU credit card, including any finance or other charges that are incurred prior to the balance transfer being complete. Balance transfers typically take 10-15 business days to complete. A balance transfer fee of $5 or 5% of the amount of each balance transfer, whichever is greater, will be assessed for each balance transfer completed. Minimum monthly payment of $18 or 3% of the outstanding balance, whichever is greater, required each billing cycle. Offer not valid for Business credit cards.  In order to qualify for membership, Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee. Federally insured by NCUA.