Balance Transfers

Wave goodbye to your high-interest credit card bills when you transfer your balances to your low-rate BFSFCU credit card.

Transfer your balances now and get 1.99% APR1 for 12 billing cycles2 with NO balance transfer fee! After 12 billing cycles, the rate will return to your standard APR for Cash Advances3.

Hand holding change

Save
Money!

Pay off high interest credit card balances.

Graph charting down

Consolidate
Bills!

Eliminate the hassle of paying multiple accounts.

Lightbulb

Use Your
Imagination!

Enjoy this special low interest rate!

Hurry! This offer expires December 31, 2021!


Transfer your balances through Digital Banking

1. Pick your credit card account
2. Choose "Services" from the top menu bar
3. Select "Balance Consolidation" and complete your request.

 

The sooner you transfer your high interest credit card balances, the more you’ll save!

You’re already approved up to your current credit limit. If you have not activated your credit card, please do so by calling 1-800-527-7728 prior to transferring balances. To avoid paying interest on new purchases, you must pay your entire balance (including any balance from the balance transfer) each month by the due date.

INTEREST RATE AND FEE INFORMATION
APR for Balance Transfers 1.99% (Promotional APR for 12 billing cycles from the date of the transaction). After 12 billing cycles, you will be charged the regular APR for Cash Advances, found here
Use by Date

You must complete the Balance Transfer by December 31, 2021 for the Promotional APR to apply. If you complete the Balance Transfer after that date, you will not receive the Promotional APR. Instead, the standard APR for Cash Advances will apply.

Fee No Balance Transfer fee.
Paying Interest

We will begin to accrue finance charges from the date the Balance Transfer is posted to your account. No grace period on cash advances and balance transfers.


Learn More About our Credit Cards

1
APR = Annual Percentage Rate.


2This offer is nontransferable. Promotional rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You must complete the Balance Transfer by December 31, 2021 for the Promotional APR to apply. If you complete the Balance Transfer after that date, you will not receive the Promotional APR.  Any Balance Transfers processed after the promotional period will incur finance charges at your card’s standard rate for Balance Transfers. Your APR will vary with the market based on the Prime Rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. We are not required to honor a Balance Transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the Balance Transfer transaction. You should continue to make all required payments until you confirm that the Balance Transfer was made to have been completed. BFSFCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. We will not close your other accounts even if you transfer the entire balance. If you wish to close an account, you should contact the issuer directly. Refer to www.BFSFCU.org/Rates for your standard APR.

3Each Balance Transfer will be treated as a Cash Advance as described in your Credit Card Agreement, will begin to accrue finance charges from the date it is posted to your account, and is subject to credit availability.  If you have not activated your credit card, please call 1-800-527-7728 to do so prior to completing a Balance Transfer.