Visa Balance Transfer


Wash up your high credit card payments with our low-interest credit card!

save money

APR* for 12 billing cycles
13.00% — 18.00%
APR* thereafter


Offer expires June 30, 2023*

*The 0.00% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a "Discounted" rate that will be in effect from the time of the posting of the balance transfer to your card account for twelve consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. A 3% transaction fee for the amount of your transferred balance will be applied to your account for this promotion. After the expiration of your "Discounted" rate the remaining unpaid portion of the original balance transfer request will be subject to your normal APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Current rates range from 13.00% APR to 18.00% APR. Consumer Cards (Business Cards and Secured Cards are ineligible) may have up to 10 individual balance transfers open at any given time period. The minimum balance transfer amount allowed is $300. Any balance transfer request that is submitted for less than $300 will not be honored. If you default through becoming 60 days or more delinquent we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance and available online at We will apply your minimum payment amount first to any fees, then to Interest Charges on Cash Advances, Balance Transfer, and then to new Purchases. If applicable, any payment amount in excess of the minimum payment will be allocated first to high rate balances. All rates are effective as of January 1, 2023 and this offer may be withdrawn at any time. Other restrictions or conditions may apply. You may not pay off any other Members 1st credit card, line of credit or loan product by using this balance transfer option. For current rates, fees and other cost information, please reference the Visa Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (833) 269-2621. Offer expires June 30, 2023.

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Mobile Wallet Compatible

Streamline checkout, boost security, and earn bonus rewards. Our Visa cards integrate with Apple Pay®, Android Pay™, Samsung Pay® and PayPal OneTouch™.

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Our app has it all

Need to manage your money on the go? It's never been easier. With our mobile app, you can easily check balances, make transfers, make mobile deposits, set up alerts, and more.

Common Questions

There is no annual fee for our Visa Signature Rewards, Visa Platinum Rewards, or Visa Platinum Low Rate cards. There is a $25 annual fee for our Visa Platinum Secured card.

To request a credit limit increase, call our Loan Center at (800) 283-2328 ext. 6040 or apply online.

Lost or stolen cards should be reported to our Card Services expert, call (833) 269-2621. We also offer card controls, so you can lock your card account in real time.

Cardholders have the ultimate control—and peace of mind. You can control how, when and where your payment cards are used. Real-time transaction alerts and controls will provide you with a method to protect your payment information. With card controls, you can:

  • View all your debit and credit cards on one easy to view page.
  • Lock/unlock your debit and credit cards.
  • Initiate a lost/stolen process from this page as well.

We offer multiple automatic payment options, including fixed amount, minimum payment, or pay in full. You can even pay your card ahead. Automatic payments are easy to set up online.

1. Sign in to your digital banking account

2. Under Your Account, select the Visa product you want to set up automatic payments

3. Under the Actions section*, click "Transactions / Make a Payment" (you will leave digital banking)

4. Your EZCard account will open

5. Click on "Payments" and then select "Manage Recurring Payments"

6. Follow the prompts

*Please note that on desktop, the Actions section will appear on the right side of your screen. On mobile, the Actions section will appear at the bottom of your screen.

You can choose to pay the minimum scheduled payment, a different amount, or your entire card balance each month.

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If you're already a member, you can apply for your new card online. If you'd like to become a member, opening an account only takes a few minutes.

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