Credit Card Balance Transfer
Create some breathing room with a 4.9% APR* Visa Balance Transfer
It seems like everything costs more these days. For many of us, keeping up with everyday expenses has become more challenging—and carrying a balance on a high-interest credit card can make it even harder.
The average American household carries more than $6,000 in credit card debt, while many credit card rates have climbed above 25% APR1. That means more of your monthly payment goes toward interest and less toward paying down what you owe.
When everyday expenses keep rising, high-interest credit card debt can make it even harder to get ahead. Transfer your non-ACU credit card balance to an ACU Visa® Credit Card and enjoy 4.9% APR for 12 months with no balance transfer fee.
More of your payment goes toward reducing your balance—not interest
Why It Matters
Every dollar you save on interest is a dollar you can put toward groceries, gas, utilities, or your savings goals. A lower interest rate helps you make more progress paying down your balance while creating more flexibility in your monthly budget.
Why Transfer Your Balance?
- 4.9% APR for 12 months
- No balance transfer fee
- More of every payment goes toward your balance
- Create breathing room without taking on more debt
Already have an ACU Visa Credit Card?
Log in to Online Banking, click Apply Now, and select the Visa Balance Transfer Form to transfer your non-ACU credit card balances.
Don’t have an ACU Visa Credit Card?
Apply today and see how much breathing room a lower rate could create.
Associated Credit Union — where anyone in Georgia can live, bank, and grow.
*APR = Annual Percentage Rate.
1 As of 06/22/2026, according to the Forbes Advisor Weekly Credit Card Rates Report, the average credit card interest rate is 25.17%. The complete report is available here.
Offer valid August 1, 2026, through October 31, 2026, for non-Associated Credit Union credit card balances transferred to Associated Credit Union Visa Platinum Preferred and PRO$PER Signature Credit Cards only. Introductory 4.9% balance transfer rate for 12 months, and 0% balance transfer fee applies on the account opening date. Must transfer $1,000 minimum per card and have a $1,000 minimum credit limit. The transfer amount is limited to the approved credit limit or a maximum of $15,000.
Visa Platinum Preferred Credit Card: Standard 17.00% fixed APR applies to unpaid balance transfer based on creditworthiness after offer ends and to new purchases unless balance is paid in full by next due date.
Visa PRO$PER Signature Credit Card: Standard variable APR applies to unpaid balance transfer after offer ends and to new purchases unless balance is paid in full by the next due date. Standard variable APR equals prime rate (index) plus margin (4.9%, 5.9%, or 6.9%). Rate based on creditworthiness and varies with the prime rate.
