Hit Snooze on Interest
Move your high-interest balances to a PSECU Classic Card and don’t pay interest until 2027! Transfer a balance and enjoy 0% APR1, good until June 30, 2027, on transfers made between January 1, 2026 – June 30, 2026. A 5% balance transfer fee applies to each balance transfer that posts to your account during the promotional period.
After the promo rate ends, you’ll enjoy a low APR at 12.90% (subject to change). See full terms and conditions.
Balance Transfer Savings Calculator
See how much you could save by transferring your balance to our Classic Card. With a limited-time promotional rate, our Classic Card can help you pay off debt faster and save money on interest! Each balance transfer that is posted to your account during the promotional period is subject to a 5% balance transfer fee.
You could save an average of
$53,380.13
per month 1 when you transfer your balance to our Classic Card and take advantage of our low promotional rate.
You could save an average of
$53,380.13
per month 1 when you transfer your balance to our Classic Card and take advantage of our low promotional rate.
2This estimate is provided for informational purposes only. Your actual savings may vary. This estimate does not take the 5% balance transfer fee into account.
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?
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Face down your debt fears today. Once you've been approved for our Classic Card, you can start transferring balances right away in digital banking - even before your physical card arrives.
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- Log into digital 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 prompts to complete a balance transfer or request transfer checks.
| Description | APR* | |
|---|---|---|
| Visa Classic Balance Transfer Promotional Rate | 0.00%1 |
| Description | APR* | |
|---|---|---|
| Visa Classic Purchase | 12.90% | |
| Visa Classic Cash Advance | 14.90% | |
| Visa Classic Balance Transfer | 12.90% |
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 total of the balance transfer amount and balance transfer fee cannot exceed your available credit limit.
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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 can still use this offer, even if you already have balance transfers from a previous promotion. As long as you have enough available credit to cover the balance transfer amount and balance transfer fee and fe wer than 10 pending balance transfers on your card, you're eligible.
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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 cash advance rate 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].” A balance transfer fee will appear as: Fee Advance: Balance Transfer Fee
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No. Visa balance transfers cannot be used to pay off any other PSECU loan.
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Balance transfers completed during the promotional period are subject to a 5% balance transfer fee charged to your account at the time of the balance transfer. This applies to your first and any additional transfers made during this promotional rate offering. This fee is separate from any interest or other charges.
Example: If you transfer $1,000, 5% balance transfer fee will be charged to your account at the time of the transfer, which would be $50. Meaning the total you’d need to pay down would be $1,050.
If you're overwhelmed with multiple bills and loans, but credit cards aren't the right fit for you, we can help. Our debt consolidation options may help you stay organized, reduce your monthly expenses, and feel more in control of your finances.
| Description | APR* | |
|---|---|---|
| Founder's Card Purchase | 15.90% | |
| Founder's Card Cash Advance | 18.00% | |
| Founder's Card Balance Transfer | 15.90% |
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.