If you have a credit card from a financial institution other than Sb1 FCU and you carry a balance, there's a good chance you are overpaying. Now is a great time to switch. Take advantage of this 1.99% APR* offer and keep this low rate on all balance transfers until 3/31/15. No balance transfer fees. Act now- Special offer ends 3/31/14.
Not currently an Sb1 Visa credit card holder?
Fill out our online credit card application. Once approved, we'll quickly walk you through the debt consolidation process, and then start transferring balances at this great rate.
Currently have an Sb1 Visa credit card?
Why pay more than you have to? Consolidate any high interest Credit Card bills that you are paying each month into a single card with Sb1. Start saving today by transferring the rest of your higher rate credit card debt onto your Sb1 Visa card! Unlike most institutions that charge consumers 3-5% of the balance transferred, Sb1 does not (and never has) charged our members.
A printable PDF balance transfer request form is available via the link above. You can also call us at 800.806.9465 to have a copy e-mailed, faxed, or delivered to you by mail.
All balance transfers to a Sb1 Visa made by 3/31/14 will take advantage of a 1.99% APR* offer through 3/31/15. After the year-long promotional period, the everyday low Visa rates of 11.88%-14.88% will apply depending on the card type chosen.
APR=Annual Percentage Rate. Sb1 Federal Credit Union does not charge a balance transfer fee. Please allow 3-4 weeks to process your balance transfer. Minimum Balance transfer for this offer is $500. Each balance transfer will reduce your available line of credit. You will see a payment for the amount transferred on this statement of your other account. Transfers of balances may be subject to your credit availability on the day Sb1 processes your transfer (s). If a portion of a requested Balance Transfer will exceed your available credit limit, we may elect to process a partial Balance Transfer up to your available credit limit. We will generally transfer as much as possible, however we reserve the right to decline to process any full or partial Balance Transfer. If multiple Balance Transfers requests are made, we will treat each Balance Transfer as a separate request, in any order we select. Balance transfers do not accrue rewards. Taking advantage of this offer precludes you from any other Sb1 Balancer transfer offer in the year that you took advantage of it.
To be eligible for this offer, your Sb1 Federal Credit Union (Sb1FCU) account must be current. If you miss 2 payments in a row, your interest rate will revert to your standard APR. This offer is not valid for Balance Transfers to pay off or pay down any existing Sb1 FCU loan or credit line or any other Sb1 FCU obligation. This offer is excluded on the Sb1 Visa Secured card. The promotional rate only applies to Balance Transfers made under this offer, and does not apply to any existing balances on your account. Balance Transfer requests returned to and received by Sb1FCU cannot be cancelled. Do not transfer the amount of any disputed purchase or charge because you may lose your dispute rights. Sb1FCU will mail a check for your approved Balance Transfer amount to the lender (s) you specify. Until your Balance transfers are processed, you will need to make payments to your other credit card accounts to keep them current. Sb1FCU shall have no liability for not transferring any balance that exceeds your credit limit or if you are pas t due on any Sb1 FCU accounts. In addition, Sb1FCU is not liable or responsible for any late fees, finance charges, disputed amounts, or other fees by the other lender. Sb1FCU will not close your other accounts; please contact that financial institution directly. Payment allocation information can be found in your Cardholder Agreement. For further details about terms or conditions on your account, please refer to your Cardholder Agreement.