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.
Choose your card

How our card holders achieve more.

More savings

No annual fees. No PSECU balance transfer fee. Lower rates.

More potential

Qualifying members can get credit limits up to $30,000.

fees

Find Your Balance

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How It Works

  1. Apply for your card.
  2. 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.
  3. Log into your PSECU account.
  4. Click on "Move Money".
  5. 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.
Choose your card

Current Rates

Valid as of 09/21/2021 11:20 AM EDT 
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% Annual Percentage Rate (APR) promotional offer, Visa® Founder's Card/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/Visa® Alumni Rewards Card account as stated in the PSECU 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% Annual Percentage Rate (APR) 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

Get on the road to savings with these helpful auto-buying resources.

1
What Happens When You Transfer Your Balance on a Credit Card?

A balance transfer can be an ideal solution if you’re struggling to pay off your loans or credit card...

1
Debunking 3 Credit Card Myths

Credit cards are powerful financial tools that make spending and tracking expenses convenient, and often more secure...

1
Cash, Credit, or Debit – What’s the Best Way to Pay?

Every time you make a purchase, you have a decision to make – “How would you like to pay?”...

FAQS

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.

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. 
The transaction will appear as: “Visa® Balance Transfer was mailed to [Payee Name] in the amount of [Amount].”

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.
No. Visa® Balance Transfers cannot be used to pay off any other PSECU loan.