Visa Credit Card Balance Transfer
Slash Your Credit Card Rate by 17 Points – No Transfer Fee
The average American household has over $7,000 in credit card debt, with interest rates soaring past 22% APR.¹ That’s a heavy burden and a lot of wasted money.
At Associated Credit Union, we’re offering a real solution:
Transfer your non-ACU credit card balance and save big:
- Low 4.9% APR for 12 months
That’s nearly 17 percentage points lower than the national average of 22.25%. - No balance transfer fee
Most companies charge you to move your debt—we don’t. - More money stays in your pocket
Lower interest + no fees = more breathing room in your budget.
The ACU Visa® Credit Card isn’t just another card—it’s a smart way to cut your interest, reduce your debt, and stretch every dollar further.
Already have an ACU Visa Credit Card?
Log in to Online Banking, click Apply Now, and select the Visa Balance Transfer Form to transfer your non-ACU credit card balances.
Don’t have an ACU Visa Credit Card?
*APR = Annual Percentage Rate.
1As of 07/29/2025, according to the Forbes Advisor Weekly Credit Card Rates Report, the average credit card interest rate is 22.25%. The complete report is available here.
Offer valid September 1, 2025, through November 31, 2025, for non-Associated Credit Union credit card balances transferred to Associated Credit Union Visa Platinum Preferred and PRO$PER Signature Credit Cards only. Introductory 4.9% balance transfer rate for 12 months and 0% balance transfer fee applies on account opening date. Must transfer $1,000 minimum per card and have $1,000 minimum credit limit. The transfer amount is limited to the approved credit limit or a maximum of $15,000.
Visa Platinum Preferred Credit Card: Standard 17.00% fixed APR applies to unpaid balance transfer based on creditworthiness after offer ends and to new purchases unless balance paid in full by next due date.
Visa PRO$PER Signature Credit Card: Standard variable APR applies to unpaid balance transfer after offer ends and to new purchases unless balance paid in full by next due date. Standard variable APR equals prime rate (index) plus margin (4.9%, 5.9%, or 6.9%). Rate based on credit worthiness and varies with prime rate.
Cash back and reward points do not apply to balance transfer. Must pay entire balance by next due date, including balance transfer to avoid interest. Payments applied to highest rate first. Visa Credit Card terms and conditions apply. Associated Credit Union reserves the right to refuse duplicate account transfers and withdraw offer. View the Credit Card Agreement and Disclosures and Visa PRO$PER Signature Credit Card Guide to Benefits.
