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Cut Credit Card Costs Today!

For the first time ever, we are offering an incredibly low, fixed rate as low as 2.99% APR for balance transfers through April 30, 2019! Better yet, at the end of the promotional period, the interest rate won't skyrocket like other lenders. Instead, whatever balance is remaining will simply adjust to our regular rate which is as low as 8.90% APR.

Unlike other lenders, we have no balance transfer fee...that equals huge savings!

To take advantage of this special offer, you must transfer your higher-rate balances by March 31, 2018.

Existing card holders can request a transfer simply by completing the balance transfer form.

New card holders can apply for our low-rate Visa Platinum Rewards card and receive a decision in minutes.



Visa: Complete Visa Card Account Agreement and Truth-in-Lending Disclosure. The annual percentage rate (APR) is as of February 12, 2018 and is subject to change.  APR is variable and ranges between 8.90% - 13.90% based on creditworthiness at the time of application. After that, the rate will vary with the market based on Prime Rate. Foreign transaction fees are 0.80% of each foreign transaction in U.S. dollars or 1.0% of each foreign transaction in a foreign currency.  Cash advances and balance transfers do not qualify to earn points.

Offer details: Only balances transferred between February 12, 2018 and March 31, 2018 in-branch, over the phone or through the online balance transfer form qualify for the promotional rate. Online/mobile transfers and convenience check transactions are excluded. Qualified transfers will receive the promotional rate through the April 30, 2019 billing cycle. After April 30, 2019, the standard purchase APR will apply to any remaining balance transferred during the promotional 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 promotional 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.

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