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
We make it simple to bring your high-interest debt home to EMUCU. When you are ready to learn how to do a balance transfer, you will simply need the account information and the current balance(s) of the card(s) you wish to move. Once you provide those details, we take care of the rest by paying off your external accounts and moving those balances to your EMUCU Visa® with zero transfer fees.
A balance transfer is a financial tool that allows you to pay off debt from a high-interest credit card at another institution to a card with a lower interest rate, such as an EMUCU Visa®. By doing this, you can pay high-interest charges and ensure that more of your monthly payment goes toward reducing your actual balance. It is a strategic way to consolidate multiple payments into one and give your monthly budget the breathing room it needs to reach your financial goals faster.
No. At EMUCU, we never charge a balance transfer fee. This is a benefit for our members, not just a seasonal promo.
After your 6-month 0.00% APR period ends, any remaining balance will transition to a competitive standard APR (currently 8.99% to 18.99% based on creditworthiness and card type).
This offer is specifically for balances held at other financial institutions to help you consolidate external debt into your credit union membership.