Simplify Your Banking Today!

Say HELLO to simplicity with this special offer!

New and Existing Cardholders - transfer high-rate credit card balances to your low-rate FCCU Credit Card and enjoy 0% APR¹ for 12 months on balance transfers to save more money! After 12 months, the rate will be between 10.99% and 17.99% APR¹.  

¹APR = Annual Percentage Rate. Certain credit criteria apply. Rates and terms subject to change without notice. Offer valid for consumer credit cards only. 0% APR balance transfer rate for twelve months, also referred to as twelve billing cycles, valid on balance transfers made between December 23, 2022 and February 28, 2023 only. Offer valid for new and qualified existing cardholders between the promo dates of December 23rd and February 28th. After the balance transfer rate of 0% APR expires, standard rate will be between 10.99% 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 3% 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, First Community invites anyone who lives, works, attends school, or worships in the Texas counties, fccu.org/counties, we serve, anyone employed by a Select Employee Group, fccu.org/seglist, or anyone that is a relative or family member of an FCCU member or employee to reach their financial goals with us. Federally insured by NCUA.