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Manage your debt with a balance transfer.

This exclusive offer could help you save big on interest.

Exclusive offer for existing DCU Visa® Platinum cardholders. 

Pay no fees* on balance transfers from 1/1 – 2/28/2022 – and receive a 0% promotional APR* through your statement ending in August when transferring another credit card balance your DCU Visa® Platinum Card.

After that, your standard variable Balance Transfer APR applies, based on card type and creditworthiness, currently 8.5%-18% APR.**

Why make a balance transfer?

Carrying a monthly balance on a high-rate credit card can cost you hundreds of dollars in interest every year. You can save instantly by transferring the balance from one of your higher-rate credit cards to your DCU Visa Platinum card.


Here’s how easy it is:

Online & Mobile Banking

  1. Log into your Online Banking account  
  2. Click the Account Manager button at the top of the screen
  3. Enter the Online Balance Transfer menu from the Transfers tab on the left
  4. Enter the card number and amount that you're paying off, verify the card issuer information, and we'll take care of the rest!

Whether you're paying off another Visa, MasterCard, American Express, Discover, or even a store (Best Buy, Target, Walmart, Kohl's, Apple, etc.) card, you'll receive notification if your balance transfer was successful.

Once your balance transfer is complete, you'll see the requested amount added immediately to the balance of your DCU Visa account. This will show up as a Cash Advance on your monthly statement.

After the transfer, be sure to keep an eye on the account that you are paying off. While most transfers will happen in a matter of a few business days, others may take longer depending on how the card issuer processes its payments.

*0% APR applies only to non-DCU credit card balances transferred through DCU’s online balance transfer tool completed between 1/1/22 and 11:59pm ET on 2/28/22. Balance Transfers must be paid in full by the end of your August 2022 billing cycle on either August 10th or August 20th, as reflected on your monthly statement, or interest will begin to accrue on the remaining balance at your standard Balance Transfer APR and will continue to accrue each day the balance remains on your DCU Platinum credit card account. Minimum transfer requirement is $100. 0% APR is not eligible on other types of cash advances or purchases made during the promotional period. Account must remain in good standing throughout promotional period for promotional rate to continue. You should continue to make all required payments to the other credit card account(s) until you confirm the balance transfer(s) was made and the payment(s) reflects as a credit. Offer valid only for cardholders as of 12/31/2021. Offer not valid for DCU Visa Business Platinum or Business Visa Platinum Plus.

**APRs (Annual Percentage Rates) are as of January 1, 2022. Our current Visa Platinum APR ranges from 8.50%–18%, Visa Platinum Rewards APR ranges from 11.25%–18% and Visa Platinum Secured has an APR of 11.5%. Your APR is based on your personal credit history at account opening. APRs are variable, tied to the Prime Rate, and can change monthly after the account is opened. Maximum APR is 18%. Your Current APR is available on your monthly Visa statement as well as in Online and Mobile Banking. Restrictions may apply. For more information, refer to DCU's Visa Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.