Balance Transfer Credit Cards
Enjoy a 0% APR advantage and zero transfer fees to get ahead, not just keep up
Imagine the progress you could make toward your 2026 goals with more room in your monthly budget! At EMUCU, we’re committed to your shared success, which is why we’re offering a 0% introductory APR on balance transfers to help you get ahead. Simply move your high-interest balances from other financial institutions to an EMUCU Visa® by March 31, 2026, and start keeping more of your hard-earned money where it belongs: with you.
Ready to save?
Call, schedule an appointment, or visit a branch to start your transfer.
Start My Transfer Now
New to EMUCU?
Browse our credit card offerings.
View Credit Card Options
The EMUCU Advantage
Why move your balance to EMUCU? We focus on your financial wellness, not extra fees.
- 0.00% APR for 6 Months:* On all transferred balances.
- $0 Balance Transfer Fees: Other financial institutions charge 3% to 5% just to move your debt, UMCU has no balance transfer fee.
- No Limits: Transfer as much as you need, from as many cards as you want.
- Promotional Purchase Rate: Your 0.00% APR isn't just for transfers—it applies to your new purchases for the first six months, too!
How It Works
- Select Your Card: Choose the EMUCU Visa® that fits your lifestyle.
- Request Your Transfer: Provide the details of your high-interest cards.
- Enjoy the Savings: Watch your principal balance go down faster without interest getting in the way.
Ready to save?
Call, schedule an appointment, or visit a branch to start your transfer.
Start My Transfer Now
New to EMUCU?
Browse our credit card offerings.
View Credit Card Options
FAQs
It depends on your financial goals! The Platinum Optimum* is great for establishing or rebuilding a credit score while the Platinum Cash Rewards** gives you 1.10% back on EVERY purchase. Both of EMUCU's Visa® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!
- Download a Mobile Wallet app on your smartphone.
- Add your EMUCU credit card to the app.
- Use your mobile device to pay by tapping or swiping it against the store's payment terminal.