Conquer Your Debt
Since we have no PSECU balance transfer fee, the savings stay with you! Plus, you can transfer balances to the Classic Card as many times as you’d like at our promotional rate and with no PSECU balance transfer fee (up to your available credit limit), so you can stay on top of your debt for years to come.
Calculate Your Savings
You could save when you transfer your balance to our Classic Card and enjoy our
promotional rate. Since we have no PSECU balance transfer fee, the savings stay with you!
Let's Get Started
Ready to Conquer Your Debt?
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Choose the path for you and face down your debt-management fears today. Once you've been approved for our Classic Card, getting started is quick and easy in online or mobile banking. You can begin transferring balances even before you receive your physical card.
Not a cardholder yet? Choose one of the No options below, and you'll be walked through the appropriate application process for you, depending on whether or not you're already a PSECU member.
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- Log into online or mobile banking.
- Navigate to Cards in the Menu and select Manage Cards (in the mobile app, you’ll go directly to Manage Cards).
- Choose Visa® Balance Transfer next to or below your Classic Card.
- Follow the on-screen prompts to complete a balance transfer online or request balance transfer checks.
Let's Get Started
Ready to Conquer Your Debt?
-
Choose the path for you and face down your debt-management fears today. Once you've been approved for our Classic Card, getting started is quick and easy in online or mobile banking. You can begin transferring balances even before you receive your physical card.
-
- Log into online or mobile banking.
- Navigate to Cards in the Menu and select Manage Cards (in the mobile app, you’ll go directly to Manage Cards).
- Choose Visa® Balance Transfer next to or below your Classic Card.
- Follow the on-screen prompts to complete a balance transfer online or request balance transfer checks.
| Description | APR2 | |
|---|---|---|
| Visa Classic Balance Transfer Promotional Rate | 2.90% 3 |
| Description | APR4 | |
|---|---|---|
| Visa Classic Purchase | 12.90% | |
| Visa Classic Cash Advance | 14.90% | |
| Visa Classic Balance Transfer | 12.90% |
Not sure how a balance transfer works?
Learn more in the video below:
Browse Common Questions
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The minimum amount you can transfer to your PSECU credit card is $250 through digital banking. There is no minimum when using a Visa® balance transfer check. The maximum you can transfer is the available credit limit on your credit card.
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There is no limit to the number of balance transfers you can have on one card. However, there is a limit to the number of pending balance transfers you can have at one time. That limit is 10 pending balance transfers. Once a pending balance has cleared, you can exceed 10.
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Yes. You're allowed to have multiple balance transfers from various promotions on your card as long as there are no more than 10 pending balance transfers on your card at one time and you have the available credit on your card. For example, if you transferred two balances in 2024 and received a promotional rate good through December 2025, you could still take advantage of this 2025 offer, which would be good through December 2025 on balance transfers made January 1, 2025 through June 30, 2025. When you make a payment on your card, the oldest debt will be paid off first. You can visit your credit card agreement to confirm the order of payment.
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Yes. In addition to paying off existing debt, you can use a Visa balance transfer to make a purchase or pay an individual. In digital banking, you can request to have Visa balance transfer checks sent to you (you can request three or six at a time). You can then write those checks as payable to a retailer or an individual. Additionally, you can log into digital banking and send a payment to a retailer or another person at any time by requesting a Visa balance transfer.
Please note that Visa balance transfer checks cannot be made payable to yourself, cash, a joint owner on your account, or used to pay a PSECU loan. If you do utilize a Visa balance transfer check in one of these ways, you’ll be charged the regular balance transfer APR on the transaction.
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A balance transfer will appear as: “Visa® Balance Transfer was mailed to [Payee Name] in the amount of [Amount].”
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There is no grace period on balance transfers. Finance charges begin to accrue on the date the balance transfer transaction is posted to your account.
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No. Visa balance transfers cannot be used to pay off any other PSECU loan.
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There is no PSECU balance transfer fee. This is the case for your first balance transfer and any transfers made at a later date.
Visa balance transfers are available for our Founder’s Rewards Card. Our Founder’s Rewards Card can help conquer your debt.
If you’re overwhelmed with multiple bills and loans, we can help. Our debt consolidation loan options may save you money, simplify your budget, lower your credit risk, and reduce your stress.
| Description | APR* | |
|---|---|---|
| Founder's Card Purchase | 16.65% | |
| Founder's Card Cash Advance | 18.00% | |
| Founder's Card Balance Transfer | 16.65% |
Browse Related Resources
Check out these resources to learn more about how a Visa balance transfer can benefit you.
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.