Visa Balance Transfer Special

Now Extended: Take Advantage of our Visa® Balance Transfer Special With 1.99% APR* for Six Months!

Now extended: Resolve to tackle your financial goals in 2024 by taking advantage of 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. Enhanced rewards options combined with no annual fee make the APCO Visa Rewards Credit Card the smart choice for credit card services that aren’t too good to be true.

Transfer Your Balance

April 1, 2024 through June 14, 2024, you will have the opportunity to transfer your high-interest credit card debt from another financial institution or credit card provider to an APCO Visa 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 Rewards Credit Card, simply contact us to set up the balance transfer from your other credit card provider. If you do not have a credit card from your Credit Union, contact us to apply, or apply in mobile or online banking by choosing “Apply for a Loan” from the main menu, and then selecting “Credit Card” from the options. 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 Rewards Credit Card include:

• No annual fee
• Membership in uChoose Rewards® earning 1.75% points on every $1.00 you spend to redeem on to use toward cash back as a statement credit, shopping, travel, event tickets, gift cards and more. You can also pay with your Rewards at checkout with PayPal at millions of online retailers.
• A 25-day grace period on all purchases

Want to learn more about the benefits of an APCO Visa Rewards Credit Card? Click here. 

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 Visa Rewards Credit Card:

Simply log in to your Credit Union’s Online or Mobile Banking and choose “Apply for a Loan” from the main menu. You’ll choose Credit Card from the list of options and it’s that easy!

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 4/1/24 through 6/14/24. For terms and conditions, see an APCO CU loan officer. Your savings is 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.