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® Credit Cards

Whether you're looking for a lower interest rate card or one with a cash-back bonus, UMCU has credit card options that will fit your needs.

Learn More

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.


By Phone

Contact one of our team members and they would be happy to assist you with your goals. Give us a call.


In Person

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.