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.
Don't have our VISA® Credit Card?
1.90% APR* for 6 billing cycles
The APR* will revert to 10.75% — 18.00% based on your card's terms and conditions after the promotional period.
NO Balance Transfer Fee
NO Cash Advance Fee
|Find Your Nearest
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 10.75% APR to 18.00% 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 All rates are effective as of October 8, 2018 and this offer may be withdrawn at any time.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 October 31, 2018.
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.