When you open a new credit card account and consolidate your high-interest debt, you’ll enjoy:

Plus rates as low as 6.50% APR and friendly, local service!

How much can you save?

Check out this example using a $5,000 balance and $150 monthly payments!

Apply for your ETFCU Visa® credit card today!

OPEN YOUR ACCOUNT ONLINE

Already have an ETFCU credit card?

Transfer high-interest debt any time and never pay a balance transfer fee!

Click here to get started

Plus, with ETFCU’s Visa® Platinum Rewards credit card

you’ll earn valuable ScoreCard reward points with every purchase.

Looking for a lower rate?

ETFCU’s Visa® Prime Plus card offers a lower rate instead of rewards—as low as 6.50% APY!

Frequently Asked Questions

How do I request a balance transfer?

When you are applying for a new credit card, you will have balance transfer options available during the application process. You can also complete this online form, contact our Lending Call Center at 800-800-9271, Option 1, or visit any ETFCU location!

What information do I need to transfer a balance?

The information needed to transfer a balance can be found on a recent statement of the account from which you are transferring. Please be prepared to provide the following to make the process as smooth as possible:

  • ETFCU credit card number
  • Card issuer name
  • Card issuer payment address
  • Amount to transfer
  • Issuer account number
  • Card issuer phone number

How long does it take for a balance transfer to be processed?

Balance transfers can take up to three weeks to complete. It’s important to continue monitoring and making payments on your other card account(s) until you confirm the balance transfer is complete.

If I transfer a balance from another credit card, will you automatically close that card?

No, it is up to you to close the account(s) from which you transfer a balance, if you choose.

How is interest calculated on balance transfers?

Interest paid on a balance transfer is calculated from the date of the balance transfer, much like a cash advance. This means even if you pay in full, you may see interest owed for your balance transfer if you are outside of the six-month introductory period.

0% APR applicable to balance transfers for the first six months the credit card account is open. 1.99% introductory APR for the f irst 6 billing cycles. Annual Percentage Rate may vary. If you are charged interest, the charge will be no less than $1. APR for purchases and balance transfers will be 6.50% to 16.45% APR after introductory period based on creditworthiness. Cash advance fee will be 6.50% to 16.45% APR. All Annual Percentage Rates will vary with the market based on the Prime Rate. All payoff calculations assume there no additional charges, cash advances, balance transfers, or other transactions that would increase the credit card balance.  The double points category may exclude Walmart, Sam’s Club, Target, and other discount stores.