Is your holiday debt overstaying its welcome? Are you overwhelmed with credit card bills? Show your holiday debt the door. Move your high-interest credit card balance to a lower interest rate credit card from your Credit Union.
Transfer Your Balance
Now through March 31, you will have the opportunity to transfer your high-interest credit card debt to an APCO Platinum VISA Credit Card. Eligible applicants will receive a special, low 2.99% APR on all balance transfers.
The 2.99% balance transfer interest rate is good for six months, giving you the opportunity to pay off that debt at a MUCH lower interest rate than your current credit card offers. Paying off that debt at 2.99% versus your current interest rate could save you hundreds of dollars in interest.
Did You Know?
We know other financial institutions make balance transfer offers, but our balance transfer program is different and better:
- We don’t charge a balance transfer fee. Most other financial institutions charge an average of 3%. That’s like paying a year’s worth of interest at 3% on your balance the day you transfer it.
- Your monthly payment for the next six months will be applied to the balance transferred first. Many programs apply payments to new purchases at higher interest rates first. That costs you money.
- If you do not pay off the balance transfer within six months, our standard 10.9% interest rate will be applied to the remaining balance. That rate beats most financial institutions.
- Everyone gets the same balance transfer rate option.
New and Existing Accounts
The balance transfer option is available to all eligible APCO Employees Credit Union members. If you already have an APCO Platinum VISA account, simply contact us to set up the balance transfer. If you do not have an APCO Platinum VISA Credit Card, visit apcocu.org/visa or give us a call to begin the application process. Once your account is approved, we will help you set up your balance transfer.
After the six month balance transfer promotion ends, your APCO Platinum VISA will continue to save you money. Benefits of using an APCO Platinum VISA include:
- 10.9% APR (and we don’t raise your rate whenever there’s a day of the week that ends in a Y)
- No annual fee
- A 25 day grace period on purchases (that’s like getting a free loan)
- 1% cash back reward
Visit us online at www.apcocu.org/visa or give us a call to transfer your balance today.