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The 1.99% APCO Visa Balance Transfer Special is Back!

Add holiday debt to the unexpected expenses that pop up throughout the year and it’s easy to find yourself overwhelmed. We want to help you alleviate your payment stress by bringing back our Visa Balance Transfer Special that allows you to move your high-interest credit card balance to a lower interest rate credit card from your Credit Union.

Transfer Your Balance
January 4, 2021 through June 22, 2021 you will have the opportunity to transfer your high-interest credit card debt to an APCO Visa Platinum Rewards Credit Card or Visa Signature Rewards Credit Card. Eligible applicants will receive a special, low 1.99% APR on all balance transfers.

The 1.99% balance transfer interest rate is good for six months, giving you the opportunity to pay off that debt at a MUCH lower interest rate than your current credit card offers. Paying off that debt at 1.99% versus your current interest rate could save you hundreds of dollars or more in interest.

Here’s What You Should Know
Other financial institutions make balance transfer offers, but our balance transfer program is different and better:

  • We don’t charge a balance transfer fee. Most other financial institutions charge an average of 3%.
  • If you do not pay off the balance transfer within six months, our standard variable APR will be applied to the remaining balance, based on your creditworthiness.*
  • Everyone gets the same balance transfer rate option.

New and Existing Accounts
The balance transfer option is available to all eligible APCO Employees Credit Union members. If you already have an APCO Visa Platinum Rewards Credit Card or APCO Visa Signature Rewards Credit Card, simply contact us to set up the balance transfer. If you do not have a credit card from your Credit Union, contact us to begin the application process. Once your account is approved, we will help you set up your balance transfer.

After the six month balance transfer promotion ends, your APCO Visa will continue to save you money. Benefits of using an APCO Visa include:

  • No annual fee
  • Membership in uChoose Rewards®
  • Earn 1.75% points on every $1.00 you spend
  • A 25-day grace period on all purchases


Ready to get started? You can drop by a branch, give us a call, or complete the forms below and send them to us:

If you already have an APCO Visa card:

Click here for a Balance Transfer Authorization Form
Click here to request a Credit Limit Increase

If you would like to apply for an APCO Employees Credit Union Visa® Platinum Rewards Credit Card or a Visa Signature Rewards Credit Card:

Members can simply download an application and solicitation disclosure. Then complete the form, sign it, and mail or bring it to your local branch. Or stop by any of our branches for assistance.

Click here to download an application

Not a member yet? 

Click here to learn how you can join!

If you have any questions, you may contact us, or you may contact our Call Center at 205-226-6800 or 1-800-249-2726.


*Terms and conditions apply. Contact us for more details. APR-Annual Percentage Rate. Must meet membership and credit requirements. The promotional rate will convert to the standard variable rate at the end of the six (6) month promotional period. Offer good on balance transfers only. Offer applies to non-APCO CU card balance transfers only. Offer valid 1/4/21 thru 6/22/21. For terms and conditions, see an APCO CU loan officer. Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. Equal Housing Opportunity Lender.