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Pacific Service Credit Union

Balance transfer rates as low as 2.75% APR

Our no-fee balance transfer promotion is back!
Our balance transfer promotion is back! For a limited time, we are offering you an incredibly low, fixed introductory rate as low as 2.75% APR for balance transfers. You’ll receive the benefit of the special rate through March 31, 2021.
Unlike other lenders, we won’t charge a balance transfer fee...that equals huge savings.

Better yet, at the end of the introductory period, the interest rate won’t skyrocket like other lenders. Whatever balance is remaining will simply adjust to our regular variable rate which is currently as low as 8.75% APR.
To take advantage of this special offer, you must transfer your higher-rate balances by February 29, 2020.
Existing cardholders can simply complete the form below, visit a branch, or call a member service representative at (888) 858-6878.
If you'd like to take advantage of this offer and don't have a Visa Platinum Rewards card or need to increase your limit, apply below, visit a branch or call a member service representative at (888) 858-6878.
Visa: Complete Visa Card Account Agreement and Truth-in-Lending Disclosure. Annual Percentage Rate (APR) as of January 14, 2020. APR is variable and ranges between 8.75% and 13.75% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn reward points. Use of points is subject to ScoreCard Rewards program Terms and Conditions.
Offer details: Only balances transferred between January 14 and February 29, 2020 in-branch, over the phone or through the online balance transfer form qualify for the introductory rate. Online/mobile transfers and convenience check transactions are excluded. If you request a check made payable to another card issuer, continue to make your monthly payment on these other issuer accounts until the payment for the transferred amount appears on your other issuer’s statement. Pacific Service CU is not responsible for late payments, interest or fees on your other issuer’s account. Qualified transfers will receive the introductory rate through the March 31, 2021 billing cycle. After March 31, 2021, the standard purchase APR will apply to any remaining balance transferred during the introductory period. Other information: There is no fee for the transaction; however, no grace period applies. Balances can be transferred up to your available credit limit. Balance transfers accrue interest from the transaction date. Purchase balances will continue to accrue interest at the established purchase APR. Purchase transactions will incur interest unless you pay the entire balance, including any transferred balances, by the monthly payment due date. To avoid paying interest on purchases, you must pay the entire account balance each month. If your account becomes delinquent, the introductory balance transfer rate will increase to the established purchase APR. Balance transfers cannot be used to pay off other Pacific Service CU loans. Balance transfers do not qualify to earn reward points.