When it comes to PSECU balance transfers, you may be familiar with the basics: By taking advantage of our low balance transfer APR (Annual Percentage Rate) and transferring high-interest debt to our Classic Card, you can reduce the amount of interest you pay.
However, you may be surprised to find that there are many benefits to a PSECU Visa® balance transfer beyond simply moving high-interest credit card debt. For example, you can enjoy 0% APR1 through June 30, 2027 on balance transfers that post between July 1 - September 30, 2026. A 2.9% balance transfer fee applies to each transfer that posts to your account during the promotional period. After the promo ends, you’ll enjoy a low 9.9% APR2 (subject to change). Learn more at psecu.com/balancetransfer.
Discover these often-overlooked details and unlock countless opportunities to conquer your debt.
Maybe you took advantage of a buy now, pay later offer that’s costing you more than you’d like in the long run. Or maybe you have a high-APR personal loan that you can’t seem to pay off because your payments are eaten up by interest charges. While you can’t use a PSECU balance transfer to pay off other PSECU loans, there are still plenty of other ways to make it work for you.
You can transfer balances from loans like these, and many others, to our Classic Card and take advantage of our limited-time 0% APR offer. A balance transfer fee applies. Learn more at psecu.com/balancetransfer.
Need to make a large purchase but don’t have the cash? Instead of charging it to a high-interest credit card, you can use a Visa balance transfer check. In digital banking, you can request to have Visa balance transfer checks sent to you (three or six at a time). You can then write those checks as payable to a retailer the same way you would use a personal check.
Going in on a large purchase with a friend? Or buying something directly from an individual? You can also use a Visa balance transfer to pay a person directly.
You can log into digital banking and send a payment to another person at any time by requesting a Visa balance transfer. Alternatively, you can write a Visa balance transfer check payable to that person. There are a few exceptions to this: Visa balance transfer checks cannot be made payable to yourself, cash, or a joint owner on your account, nor can they be 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 APR on the transaction.
You can have up to 10 pending balance transfers on your card at one time, as long as the combined amount remains within your credit limit. This means you can take advantage of multiple promotional rates, whether they’re from the same or different offers. As you pay down your transferred balances, you can request new transfers and continue saving with our low APR. Unlike many financial institutions that limit balance transfer opportunities, we give you the freedom to strategically manage and conquer your debt.
Itching to get started on your journey to conquer your debt? There are a few things you should know to be set up for success:
Our Classic Card boasts a low purchase APR, currently 9.9% (subject to change), which is half the national average3. So, even if you’re not able to pay off your balance transfer before the promotional period expires, you can still save on interest when compared to higher interest cards.
Get more details about the current Visa balance transfer promotion we’re running and how you can save at psecu.com/balancetransfer.
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3The average APR on credit card accounts carrying a balance was approximately 21% in February 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.90% APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.