0% APR Balance Transfer Credit Cards
Move high-interest balances to UMCU by March 31 and enjoy 6 months of 0% APR* plus zero transfer fees.
How Balance Transfers Work with 0% APR
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 UMCU, 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 a UMCU Visa® by March 31, 2026, and start keeping more of your hard-earned money where it belongs: with you.
Choose Your Path
Gather Your Information
You'll need details from the credit card accounts you want to transfer:
- Account numbers
- Balance amounts you'd like to move
- Lender names
Submit Your Balance Transfer Request
Docusign Form
Use the secure Docusign form to complete the balance transfer request.
Prefer to talk?
Schedule an appointment, call us at 800-968-8628 or visit any of our 17 local branches and we'll walk you through it.
The UMCU Advantage
Why move your balance to UMCU? 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!
FAQs
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.
Insured by NCUA.
*Annual percentage rate. During our promotional period from 1/20/26 – 3/31/26, the offer of 0.00% interest rate for 6 months applies to balances transferred from another financial institution, with no balance transfer fee. The balance will transfer to your choice of a Visa® Platinum Optimum or a Visa® Platinum Cash Rewards credit card. Following the balance transfer, you may also use your Visa® credit card to make additional purchases at 0.00% during the promotional period. After the 6-month term, if the balance is not paid in full from the transfer or new purchases, an adjusted APR of 8.99% to 18.99% will be applicable on the remaining balance depending on the Visa® card program selected. Monthly payments during the promotional period will go towards paying down the highest interest rate balance first. The 6-month period begins on the posting date of each transaction. Finance charges include 1% foreign transaction fee, $2 non-UMCU/non-Co-op ATM fee, and $2 overdraft transfer fee. Daily periodic rates vary from 0.0246% - 0.0520% APR depending on the card program selected. For new applicants this offer is subject to credit approval, and the rate is based on creditworthiness. Promotions, rates, terms and conditions are subject to change without notice.