Credit Card Balance Transfer

TOO MUCH CREDIT CARD DEBT? UNABLE TO KEEP A FINANCIAL BALANCE?

True Sky Credit Union’s balance transfer is just for you! Consolidate multiple credit cards into one monthly payment, and pay it off faster with a balance transfer to a new credit card that features a low rate.

We’re offering:

  • 0% interest for 12 months
  • Locked in low rate
  • A reduced balance transfer fee of 2%
dont wait
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WHAT YOU NEED FOR A BALANCE TRANSFER

We want to make the process as easy as possible for you. We need the following details when you apply. Our team will help you with the rest.

List of Accounts to Consolidate

  • Credit card account numbers
  • Names of institutions
  • Payoff addresses
  • All current balances

WHY YOU SHOULD TRANSFER A BALANCE

  1. Low Fees!
    Many financial institutions charge a balance transfer fee between 3-5 percent of the transferred amount. With the Balance Transfer program, we are offering a low 2% fee to transfer your balance
  2. Faster Payoff.
    Because we are offering 0% interest for 12 months, you will be able to pay off your balance faster.
  3. One-on-One Help.
    If this is your first time, or if your situation needs extra attention, we will help you through the balance transfer process to find the best solution for you!

HOW A BALANCE TRANSFER WORKS

The goal of a balance transfer is to save money by transferring the balance of a high-interest credit card to a low-interest credit card. We don’t want there to be any surprises when you do a balance transfer with True Sky Credit Union, so we’ve explained how our process works.

BALANCE TRANSFER FAQ’S

If you have a high-interest credit card racking up debt and want to move this amount to a lower-interest card, consider a balance transfer for debt consolidation. Balance transfers are a helpful tool for anyone able to pay off the balance quickly or at a lower rate to save on interest.

Most balance transfers are generally processed between 7 to 10 days, but different factors can affect that time frame. We recommend that if you have a scheduled payment coming up on the card balance you are transferring that you make that payment to be safe.

Every situation is different. We recommend you reach out to us so we can evaluate your needs, and give you a personalized recommendation.

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*APR = Annual Percentage Rate. Introductory rate for new balance transfers initiated from 1/5/2022 through 3/31/2022. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant. Balance transfer fee of 2% required for total balance transferred. Other restrictions may apply.

Purchases and cash advances are not eligible for promotional rate. Foreign transaction fee is 1% of each transaction after conversion to US dollars. Benefits disclosures provided with card agreement. Ask a representative for details. VISA® is a registered trademark of Visa International Services Association.