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Transfer your balances today at DCU.

Transfer Your Balances Today

Transfer Your Balances Today

Transfer Your Balances from High Rate Credit Cards to Your DCU Visa® Platinum.

Credit Cards  0% APR* on Balance Transfers 

Take advantage of 0% APR* on balance transfers now through January 31, 2020. Pay no balance transfer fee and no interest until July!

Following the June billing cycle, your standard rate applies.
Current rates as low as: **Visa Platinum 10.00% APR | Visa Platinum Rewards 12.75% APR | Visa Platinum Secured 13.00% APR


*Balance Transfer Promotion Details

  • 0% APR applies only to non-DCU credit card balances transferred through DCU’s online balance transfer tool completed between 1/1/20 and 1/31/20. 
  • Minimum transfer requirement is $100 and maximum transfer amount is up to your available credit limit. 
  • Balance transfers must be paid in full by the due date reflected on your June 2020 billing statement or interest will begin to accrue on the remaining balance at your APR.
  • 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. 
  • Offer not valid for DCU Visa Business Platinum or Business Visa Platinum Plus. 
  • See details below for more information on how to complete a balance transfer.     

**APRs (Annual Percentage Rates) are as of January 1, 2020. Our Visa Platinum has an APR as low as 10.00%, Visa Platinum Rewards has an APR as low as 12.75% and Visa Platinum Secured has an APR as low as 13.00%. Your APR is based on your personal credit history at account opening, so it could be higher. APRs are variable, tied to the Prime Rate, and can change monthly after the account is opened. Maximum APR is 18%. Restrictions may apply. For more information, refer to DCU's Visa Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement

Online Balances Transfer Benefits

  • Transfer balances from high rate credit and store cards and start saving immediately
  • Pay off your Visa, MasterCard, Discover, American Express, or even a store card (Best Buy, Target, Kohl's, Apple, Walmart, etc.)
  • Simple online transfer process
  • Immediate notification when your transfer is accepted   

Transfer Your Balances and Start Saving Today!  

Carrying a balance from month to month on a high rate credit or store card can cost you literally hundreds of dollars in interest every year. With interest rates way below the national average, a DCU Visa Platinum card can save you money every month. Plus, we don't charge a monthly or annual fee.

Pay off those high rate bank and store credit cards with a balance transfer to your DCU Visa Platinum. You'll get the same low rate on balance transfers as you do on purchases. 

Simple Online Transfer Process

Transferring a balance to a low rate DCU Visa Platinum Card has never been easier than it is with our Online Balance Transfer option in Account Manager.

  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, but rest assured that you're still paying the same low rate as you would for regular purchase.

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.

Don't Have a DCU Visa Yet?

Apply today online, in a branch, or by phone. Once your Visa account is open and active, you'll be able to initiate balance transfer immediately.

Related Links  

For Your Protection

Loan Disclosure

  • Visa Credit Card Disclosure (.pdf format) – This covers rates, terms, and conditions related to DCU's Visa credit card programs.