Balance Transfer
Simplify your debt. Save on interest.
With SECU’s 0% APR balance transfer offer, you can say goodbye to high interest rates and hello to financial freedom.
Transfer your existing credit card debt and enjoy 0% APR† for up to 12 months*** across a range of SECU credit cards, each with unique rewards and features to match your lifestyle. Whether you’re a frequent traveler, a cash-back enthusiast, or prefer simple, low-fee savings, there’s a card designed for you.
There’s no catch. No gimmicks. Just a smarter way to take control.
- Pay a one-time 3% transfer fee*** when you move high-interest credit card balances to a participating SECU credit card.
- The 0% APR offer applies only to balances transferred from non-SECU accounts.
- Business, Starter, Student, and Secured SECU credit cards are not eligible for this offer.
- Balances can be transferred to either existing SECU credit card accounts or newly opened participating cards.
Need a SECU credit card to take advantage of our 0% APR on balance transfers? Let’s find the right card for you.
Begin your balance transfer
For SECU members with a credit card, please call 1-800-344-6501 for assistance with processing a balance transfer or log in to your member account.
†APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. After that, your APR will vary with the market, based on the Prime Rate.
***0% Promotional APR on Balance Transfers with a 3% balance transfer fee. The promotional rate for balance transfers is for Visa® Signature, Rewards Visa®, UMD Affinity Visa®, Cash Back Visa® and FirstRate Visa® cardholders only. Promotional 0% APR is for balance transfers completed 6/1/2025 through 10/31/2025. Total value of transfers cannot exceed your credit limit. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least two weeks from submitting the balance transfer request for processing. Continue paying each creditor until the transfer appears as a credit. Promotional rate of 0% APR is only available for balances transferred from non-SECU accounts.
