UMCU New Member

We make it simple to bring your high-interest debt home to UMCU. 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 UMCU 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 a UMCU 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 UMCU, 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.