Balance Transfer

Add some balance to your life with lower credit card payments. Move high-interest balances from other cards to one of our Visa credit cards.

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Move and save

Move balances from other credit cards to our Classic Card with at a low 2.9%* transfer rate, or to our Founder’s Card at a 3.9%** transfer rate.

No balance transfer fees

We’re in the relationship business, not the fee business. We don’t charge an annual fee, inactivity fee, or application fee for our credit cards, either.

Credit limits up to $30,000***

You can save big when you move balances to one of our Visa credit cards. Current promotional rates are available through Dec. 31, 2019.  (***If qualified)

Great Experience! Very easy to transfer balance and a great rate! The customer service is great! 

- PSECU Member for less than one year

Find your Balance

classic card with phone
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Already a Member?

How Does a Balance Transfer Work?

Moving a balance from another credit card to your PSESU credit card is quick and easy.

Apply for your card.

Learn more about your Classic or Founders Card.

Complete the transfer.

Once you’ve been approved for your new credit card, it’s time to complete the transfer. 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.

Log into your PSECU account.

Click on “Move Money.”

Click on “Visa Balance Transfer.”

Follow the online directions. Your transfer will be automatically treated as a balance transfer at PSECU's current promotional rate and term. You don’t need to call us to activate your promotional offer. 

Start enjoying your finance-charge savings!

RATES FOR PSECU CREDIT CARDS

Valid as of 08/17/2018 1:58 AM EDT
Description APR*
Founder's Card Balance Transfer 3.9%
Founder's Card Cash Advance 14.15%
Founder's Card Purchase 14.15%
Visa Classic Balance Transfer 2.9%
Visa Classic Cash Advance 9.90%
Visa Classic Purchase 9.90%
*APR denotes Annual Percentage Rate

PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's 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 12/31/19; 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 Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 PSECU Visa® Founder's Card Consumer Credit Card Agreement.

PSECU Visa® 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 12/31/19; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.9% APR and subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 Consumer Credit Card Agreement.

Fees for PSECU Credit Cards

Fee Amount
Annual Fee $0
Balance Transfer Fee $0
Cash Advance Fee $0
 Late Fee Up to $20 for Classic Card
Up to $27 for Founder’s Card
 Foreign transaction fee  $0
                                                                                                                                                                                                  

Visa Balance Transfer FAQs

* PSECU Visa® Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as cash advances and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/19. Thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.9% APR and subject to change. Payments will be applied as stated in your Visa Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 Consumer Credit Card Agreement.


** PSECU Visa® Founder's Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card balance transfers will be treated as cash advances and will accrue interest at 3.9% APR from the time the transaction posts until 12/31/19. 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 Card Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through online 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 PSECU Visa® Founder's Card Consumer Credit Card Agreement.


**** You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on all purchases if you maintain a PSECU checking account and qualifying monthly direct deposit of at least $500. Balance transfer amount does not qualify for cash rewards. Only new purchases on Founder’s Card earn cash rewards. See the PSECU Visa® Founder's Card Rewards Program Terms and Conditions for full details.