Balance Transfers | Credit Cards at UW Credit Union

Transfer & Save

Transfer higher-rate balances to your UW Credit Union credit card. New cardholders can receive introductory rates as low as 0% APR* with a 2% balance transfer fee for transfers made during the first 60 days after opening their accounts.

Balances will be held at the intro APR for one year, at which time unpaid intro balances will go back to the standard rate. Any balance transfer made after the intro period will be the same interest rate as purchases.

* Balance Transfer Introductory Rate: Introductory APR for Balance Transfers is 0% or 1.99% APR and is based on your creditworthiness. Any balances transferred during 60 days from the credit card account open date will be held at the introductory APR for 12 billing cycles. After that, your standard variable APR (10.75% – 20.35%) will be applied to any unpaid promotional balance. Intro rates subject to change at any time. Existing UW Credit Union balances cannot be refinanced. Cardholder is responsible for making payments to the external balance until balance transfer transaction is completed. Not available for Visa Student and Visa Secured cards or credit card upgrades. No rewards points or cash rewards will be given for Balance Transfers. A balance transfer transaction fee of 2% of the dollar amount of balances transferred will apply, or $10, whichever is greater. Interest rate for all other Balance Transfers is based on your current APR for purchases.

¹ APR is Annual Percentage Rate. The ANNUAL PERCENTAGE RATE (APR) is a variable rate and is based on The Wall Street Journal Prime Rate (Index), plus a margin. The margin for VISA Student, VISA Platinum, VISA Platinum Rewards and VISA Platinum with Cash Rewards cards is based on certain creditworthiness criteria. The APR is subject to change monthly on the first day of the billing cycle to reflect any change in the index. We will use the index value from the first day of the billing cycle month to implement the rate change. Any increase in the APR will result in additional payments of the same amount until what you owe has been repaid. Balance Transfer and Cash Advance Options: We will begin charging interest on Balance Transfers and Cash Advances from the transaction date. Interest rate is based on your current APR for purchases unless cardholder qualifies for introductory rate. No transaction fee for Balance Transfers. Cash Advance Fee waived for transactions made in Web Branch. For Cash Advances made at an ATM or a branch, there is a $2 fee. Instant Issue credit cards are subject to approval. Application & Solicitation Disclosure

Credit Card Balance Transfers

Transfer & Save

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