PSECU

Simplify Your Debt + Save

Having multiple credit card payments can be chaotic and costly. Streamline your finances with a Visa balance transfer from PSECU.

Both of our credit cards offer low balance transfer APRs and no PSECU balance transfer fee or annual fee, so not only will you simplify your finances, you'll also save.

Choose Your Card
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Classic Card

sic and With our low-rate Classic Card balance transfer offer, you'll pay just 2.90%* APR, and that rate is good through 12/31/23; thereafter, any remaining balance will begin to accrue interest at the balance transfer rate, which is currently 9.9% APR and subject to change.

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Founder's Rewards Card

With our low-rate Founder's Rewards Card balance transfer offer, you'll pay just 3.90%** APR, and that rate is good through 12/31/23; thereafter, any remaining balance will begin to accrue interest at the balance transfer rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%.

Requesting a Visa Balance Transfer is Easy

To request a balance transfer, or balance transfer checks, within online banking:

  • Log into online banking.
  • Choose Manage Cards on the right-hand side of the dashboard.
  • Select Visa® Balance Transfer beside the card you wish to use.
  • Request your Visa® Balance Transfer.
  • Choose to either request a balance transfer or request balance transfer checks.

To request a balance transfer, or balance transfer checks, within mobile banking:

  • Log into the mobile app.
  • Choose Manage Cards from the drop-down menu.
  • Select the card and choose Visa® Balance Transfer.
  • Choose to either request a balance transfer or request balance transfer checks.

To request a balance transfer:

  • Tell us where to transfer your credit balance from and the amount to transfer.
  • Follow the instructions on the screen.
  • We will send a payment to transfer your balance.

To request balance transfer checks:

  • Make sure the address provided is your current mailing address.
  • Choose to have either 3 or 6 Visa® Balance Transfer (VBT) checks sent.
  • Follow the instructions on the screen.

Don't Have a PSECU Visa?

Choose Your Card
Disclosures

*PSECU Visa® Classic Card/Visa® Alumni Classic Card: When you take advantage of the 2.90% APR promotional offer, Visa® balance transfers will accrue interest at 2.90% APR from the time that the transaction posts until the 2.90% APR promotional offer expires on 12/31/2023; thereafter, any remaining balance will begin to accrue interest at the APR for Balance Transfers, currently 9.90% (subject to change). Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement.

**PSECU Visa® Founder's Card/Visa® Alumni Rewards Card: When you take advantage of the 3.90% APR promotional offer, Visa® balance transfers will accrue interest at 3.90% APR from the time that the transaction posts until the 3.90% APR promotional offer expires on 12/31/2023; thereafter, any remaining balance will begin to accrue interest at the APR for Balance Transfers, currently 12.65%, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s), or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa® Founder's Card/Visa® Alumni Rewards Card account as stated in the PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement.