Visa® Balance Transfer with No transfer fee
Let’s work together to make 2024 the year you achieve your financial goals. Believe it or not, the average credit card charges over 20% interest.
UMCU is here to help! Now through March 31, 2024, enjoy 6.00% APR* for the first six months when you transfer your credit card debt from another financial institution to a EMUCU Visa® Platinum Signature Card and Visa® Platinum Cash Reward credit card. Plus, NO balance transfer fee!
Secure Docusign to Start Balance Transfer
offer available now through March 31, 2024*
How the Transfer Process Works
Step 1: Call, visit a branch, send us a secure message via your online banking portal, or fill out the forms online to start the balance transfer process.
Step 2: Choose whether to transfer your high-interest balance to our Visa Platinum or Visa Cash Back card. Both cards have non-variable rates for predictable monthly payments.
Step 3: Once the balance transfer is complete your new interest rate will only be 6.00% on the amount you transfer!
Step 4: Enjoy the 6.00% interest rate on all new purchases made before March 31, 2024.
Step 5: Continue using your low-rate EMUCU card even after promotion ends!
Visa® Balance Transfer Next Steps
Online Banking or Mobile App
Easily apply through online banking or our UMCU mobile app.
Online Secure Form
Start the transfer using the convenient online form.
Contact one of our team members and they would be happy to assist you with your goals. Give us a call.
Stop in at one of our branch locations and get in-person attention to help answer any questions.
Insured by the National Credit Union Administration (NCUA).
Eastern Michigan University Credit Union is a division of University of Michigan Credit Union
*During our promotional period from February 1, 2024 through March 31, 2024, the offer of 6.00% interest rate for 6 months applies to balances transferred from another financial institution, with no balance transfer fee. The balance will transfer to your choice of a Visa Platinum Optimum or a Visa Platinum Cash Rewards credit card. Following the balance transfer, you may also use your VISA credit card to make additional purchases at 6.00% during the promotional period. After the 6-month term, if the balance is not paid in full from the transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 6-month period begins on the posting date of each transaction. Finance charges include 1% foreign transaction fee, $2 non-UMCU/non-Co-op ATM fee, and $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on the card program selected. For new applicants this offer is subject to credit approval, and the rate is based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice.