Balance Transfer
The best move for debt management? Move it. Our Visa® credit cards are perfect for taking on high-interest balances from other cards.
How our card holders achieve more.
Find your balance
$
How it works
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Apply for your card.
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Complete the transfer.
- Approved? Great! You’ll need your full account number for the card from which you’re transferring a balance, as well as the dollar amount you’d like to transfer.
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Log into your PSECU account.
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Click on "Move Money".
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Click on "Visa Balance Transfer".
- The online directions can take you from there. Your transfer will be automatically treated as a balance transfer at PSECU's current promotional rate and term. No need to call us to activate your promotional offer.
Current Rates
| DESCRIPTION | APR* |
|---|---|
| Founder's Card Balance Transfer | 3.9% |
| Visa Classic Balance Transfer | 2.9% |
*APR denotes Annual Percentage Rate
PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/2022 ; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.
PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/2022 ; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% APR and subject to change. Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement.
PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/2022 ; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.
PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/2022 ; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% APR and subject to change. Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement.
Fees
| FOUNDER'S CARD | CLASSIC CARD | |
|---|---|---|
| Annual Fee | $0 | $0 |
| Cash Advance Fee | $0 | $0 |
| Balance Transfer Fee | $0 | $0 |
| Late Fee | Up to $27 | Up to $20 |
| Foreign Transaction Fee | $0 | $0 |
FINANCIAL TIPS & TOOLS
FAQS
Is there a minimum amount required for a balance transfer? A maximum?
The minimum transfer amount to your PSECU card is $250. The maximum amount you can transfer is the available credit limit on your credit card.
Can I transfer more than one balance to my PSECU card?
You can have up to 10 outstanding balance transfers on your card at one time. The total amount of your unpaid transfer requests can’t exceed the available credit on your card.
You can have up to 10 outstanding balance transfers on your card at one time. The total amount of your unpaid transfer requests can’t exceed the available credit on your card.
How will a balance transfer appear on my credit card statement?
The transaction will appear as: “Visa® Balance Transfer was mailed to [Payee Name] in the amount of [Amount].”
What’s the grace period for online balance transfers to my credit card account?
There is no grace period on balance transfers. Finance charges begin to accrue on the date the balance from another card is posted to your account.
There is no grace period on balance transfers. Finance charges begin to accrue on the date the balance from another card is posted to your account.
Can I use the online Visa® Balance Transfer service to pay off PSECU loans?
No. Visa® Balance Transfers cannot be used to pay off any other PSECU loan.