0% APR¹ on Balance Transfers

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

¹APR=Annual Percentage Rate. Certain credit criteria apply. Rates and terms subject to change without notice. 0% APR intro rate for twelve months on purchases and balance transfers valid for new cardholders only. After intro rate expires, standard rate will be between 9.99% and 17.99% APR based on creditworthiness. If payment is delinquent 2 consecutive months, 0% APR into rate will be lost. Delinquent is referring to not making a payment. A late payment is not included. ²Existing FCCU card holder balances not eligible to transfer to another FCCU card. Offer not valid for Business credit cards. Only valid for consumer credit cards. 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