For a limited time,

Enjoy 3.49% APR

on Balance Transfers and Cash Advances

made to your ECU Visa credit card through February 28, 2025. After August 31, 2025, all balances will convert to your normal rate (9.90% APR – 18.00% APR).

Plus, when you transfer your other credit card balances to an ECU Visa, you could save hundreds, or even thousands, of dollars in interest payments!

Why transfer your credit card balances from other lenders to an ECU Visa?

Low rates   |   No fees   |   Simple Process   |   No deferred interest   |   No opt-ins required

Get Started

Does your credit card have a high interest rate? Do you have multiple credit card balances from various companies? Are you tired of spending money on unnecessary credit card fees?

There are many great benefits to using credit cards, such as building your credit history and earning rewards on purchases. However, carrying balances from month to month on credit cards with high APRs can be costly due to accruing monthly interest. And unfortunately, many credit card companies take advantage of consumers with high interest rates, hidden fees, and offers that are too good to be true.

However, transferring your high-interest credit card balances to an ECU Visa credit card could help you save significantly in terms of lower monthly payments and long-term savings on interest.

How much are you currently paying in credit card interest each month?

If you have a $10,000 credit card balance with a 22% APR and are making monthly payments of $300, it could take more than 50 months to pay it off, and you will likely pay more than $5,500 in interest alone.

FACT:  According to The Federal Reserve, the average U.S. credit card interest rate is over 22%.

How much could you save in interest by switching to an ECU Visa?

Check out our Credit Card calculator to see how much you could save!

When you transfer your credit card balances to an ECU Visa between January 1, 2025, and February 28, 2025, you’ll only pay 3.49% APR on that balance during the promotional period. After August 31, 2025, the rate will convert to your normal rate (9.90% APR to 18.00% APR). There are no fees and no deferred interest.

The best part? When the promotional rate ends and your regular, low rate begins after August 31, 2025, you’ll not only continue saving money in interest each year but also continue enjoying ECU’s great features!

• Low fixed and variable rate options
• No annual fees or balance transfer fees
• Free 24/7 fraud monitoring service
• Lock and unlock your card instantly from your mobile device with the ECU Cards App
• Immediate online cash advance availability
• Options to earn rewards and cash back
• So much more!

Ready to transfer your balance?

Process it yourself!

Perform a Cash Advance within ECU Online® by transferring funds from your ECU Visa to your Checking Account. Use the funds to pay off your high-interest credit card!

Or complete one of the following options, and we’ll process your request within two business days:

1. Log in to ECU Online > Select 'Secure Forms' at the top of the screen > Under the 'Cards Forms' section, click 'See All' and select 'Balance Transfer Form' > Complete and submit the form.
2. Call us at 800-999-2328.

What are you waiting for? Transfer your balance to ECU and start saving today!

Important Information: Rates and terms are subject to change without notice. APR is Annual Percentage Rate. Interest will accrue on all balances unless paid in full at the end of each billing cycle. Cash advance and balance transfer balances are always subject to a finance charge from the date they are posted to your account. For details on the Visa Cardholder Agreement, please click here.