Conquer Your Debt

With no annual fee and 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.

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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.
1. Log into online or mobile banking.
2. Navigate to Cards in the Menu and select Manage Cards (in the mobile app, you’ll go directly to Manage Cards).
3. Choose Visa® Balance Transfer next to or below your Classic Card.
  - You can also use your Founder’s Rewards card for a Visa balance transfer, however, the promotional and standard APRs will differ. View current rates.
4. Follow the on-screen prompts to complete a balance transfer online or request balance transfer checks.

Promotional Rates

Valid as of XX/XX/XXXX
Description	APR²
	Visa Classic Balance Transfer Promotional Rate	2.90% ³

Current Rates

Valid as of XX/XX/XXXX
Description	APR⁴
	Visa Classic Purchase	12.90%
	Visa Classic Cash Advance	14.90%
	Balance Transfer	9.90%

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.
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 2022 and received a promotional rate good through December 2023, you could still take advantage of this 2023 offer, which would be good through December 2024. 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.
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.