Balance Transfer

Bundle up your debt and save interest.

Warm up to lower Rates

Transfer your current balances to a lower rate credit card.

Plow away debt

Spare yourself the pain of high interest payments.

Bundle your payments

Consolidate your balances to a single monthly payment.

To start your balance transfer follow these steps:

  1. Download the Balance Transfer Request Form below
  2. Complete the information requested
  3. Save form and send through online banking:
    1. Login to Online Banking
    2. Click on Messages in the left column
    3. Select New Conversation
    4. Choose Member Service from the drop-down menu
    5. Subject line will be "Balance Transfer"
    6. Attach this form
Download the Balance Transfer Request Form

Don't have an FCCU Visa Rewards Credit Card or need a credit limit increase to transfer balances? Apply now!


Existing FCCU card holder balances not eligible to transfer to another FCCU card. By completing and submitting this form, you authorize FCCU to complete the balance transfers listed above for the amount(s) indicated and agree to the $2 or 2% balance transfer fee, whichever is greater. Qualifying balances do not include requests to pay any FCCU account or honor any request to pay “Payee”, “Cash” or person with your surname. You understand that if the full amount of the request is not approved, a partial payment may be made. You agree to continue to pay at least the minimum amount due on each balance on the account transferred or for any finance or other charges incurred due to delay in transferring a balance. Balance transfer typically take 2-3 business days to complete. Minimum monthly payment is $18 or 3%, whichever is greater.

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