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VISA® Balance Transfer

VISA Balance Transfer

Why pay higher interest rates on your current loans and credit cards? Transfer your balances to our VISA® Credit Card and you won't pay any balance transfer fees.

Transfer Balances or request a Cash Advance by June 30, 2018!*

Don't have our VISA® Credit Card?

APPLY NOW

red star iamge1.90% APR* for 6 billing cycles

The APR* will revert to 9.75% — 18.0% based on your card's terms and conditions after the promotional period.

red star iamgeNO Balance Transfer Fee

red star iamgeNO Cash Advance Fee

Members 1st Branch Locations Call Members 1st Apply Online Download VISA Balance Transfer PDF Form
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Members 1st Branch
CALL: (800) 283-2328 APPLY ONLINE Download the
VISA® Balance Transfer Form

For our VISA® Credit Card Rates and additional VISA® Credit Card account information, click here.


*The 1.90% 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 six consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. 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 9.75% APR to 18% APR. Consumer Cards (Business Cards and Platinum 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 $20. Any balance transfer request that is submitted for less than $20 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 www.members1st.org. We will apply your minimum payment amount first to any fees, then to Interest Charges on Cash Advances, Balance Transfers and then to new Purchases, provided that payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. All rates are effective as of April 1, 2018 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 (800) 283-2328, ext. 6035. Offer expires June 30, 2018.

We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.


If you are a member of our Credit Union and have a card-related concern, please refer to these phone numbers:

Report a lost, stolen or found card:
(800) 325-3678

24-hour account inquiries:
(800) 299-9842

Certificate Special Offer

APY**

Home Equity Freedom Line of Credit

APR*

VISA Balance Transfer

APR*

*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
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