
Balance Transfer
How our card holders achieve more.

Find Your Balance

How It Works
- Apply for your card.
- 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.
- Log into your PSECU account.
- Click on "Move Money".
- 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 Purchase | 12.40% |
Founder's Card Cash Advance | 12.40% |
Founder's Card Balance Transfer | 3.9% |
Visa Classic Purchase | 9.90% |
Visa Classic Cash Advance | 9.90% |
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.
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
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.
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.