Debt is like that one guest who overstays their welcome — always lingering, never picking up the check. And when high-interest credit cards keep piling on extra charges, it can feel like you’re stuck in a cycle with no way out.
Good news: a balance transfer can help you break free.
By moving your credit card balance to a new card with a lower interest rate, you can focus on paying down what you actually owe—without sky-high interest getting in the way.
Let’s dive into what a balance transfer is, how it works, and how you can use one to take control of your finances.
A balance transfer lets you move debt from a high-interest credit card to one with a lower promotional rate, often 0% APR for a set period. Think of it as hitting the pause button on interest while you catch up on payments.
❌ Myth: Balance transfers are only for people with perfect credit.
✅ Truth: Many credit unions offer more flexible approval criteria than big banks.
❌ Myth: Balance transfers just delay the problem.
✅ Truth: They give you a real strategy to eliminate debt—when paired with a solid payoff plan.
Ready to take control of your credit card debt? Here’s how to do a balance transfer the right way:
💡 Pro tip: Set up automatic payments so you never miss a due date. Even one late payment could cause your promotional APR to disappear!
A balance transfer works best when you have a plan. Start by paying more than the minimum each month — this helps you clear your balance faster instead of just covering interest.
At the same time, avoid adding new charges to your transferred balance. Treat it like a loan with a deadline, and commit to paying it off before the promotional period ends.
Lastly, track your progress along the way! Seeing your balance shrink can be motivating, and a balance transfer calculator can help you visualize your savings. Stick with it, and you’ll be debt-free sooner than you think.
Not all balance transfer deals are created equal. Here’s what to watch for:
💡 Pro tip: At CCCU, we charge $0 in balance transfer fees, so every dollar you transfer goes directly toward reducing your debt. Plus, our low promotional APR gives you more time to make real progress without interest slowing you down!
At City & County Credit Union, we believe in keeping things simple — $0 balance transfer fees, a low promotional APR, and competitive rates after the intro period. That means no hidden costs or surprises — just a smarter way to tackle your debt.
As a member-owned credit union, we focus on providing solutions that work for you. Whether you're transferring a balance for the first time or looking for a better way to manage your payments, our team is here to help.
Want to see exactly how much you could save? Use our Balance Transfer Calculator to compare your current interest costs with a lower-rate option. A few simple numbers could show you just how much faster you can pay off your debt.
Start your balance transfer today and take control of your financial future!