Skip to the main content Tips & Tools Rates Refer a Friend Contact Find an ATM Support Log In BANKING LOANS CREDIT CARDS INVEST/INSURE ABOUT US Balance Transfer The best move for debt management? Move it. Our Visa® credit cards are perfect for taking on high-interest balances from other cards. Choose your card How our card holders achieve more. More savings No annual fees. No PSECU balance transfer fee. Lower rates. More potential Qualifying members can get credit limits up to $30,000. Find Your Balance Current Balance $ Current Rate % Calculate How It Works Apply for your card. Complete the transfer- Approved? Great! You’ll need your full account number for the card from which you’re transferring a balance, as well as the dollar amount you’d like to transfer. Log into your PSECU account. Click on "Move Money". Click on "Visa Balance Transfer"- The online directions can take you from there. Your transfer will be automatically treated as a balance transfer at PSECU's current promotional rate and term. No need to call us to activate your promotional offer. Choose your card Current Rates Valid as of 11/26/2021 1:25 AM EST DESCRIPTION APR* Founder's Card Purchase 12.40% Founder's Card Cash Advance 12.40% Founder's Card Balance Transfer 3.9% Visa Classic Purchase 9.90% Visa Classic Cash Advance 9.90% Visa Classic Balance Transfer 2.9% *APR denotes Annual Percentage Rate PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% Annual Percentage Rate (APR) promotional offer, Visa® Founder's Card/Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/2022; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa® Founder's Card/Visa® Alumni Rewards Card account as stated in the PSECU Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement. PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% Annual Percentage Rate (APR) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/2022; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% APR and subject to change. Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. Fees FOUNDER'S CARD CLASSIC CARD Annual Fee $0 $0 Cash Advance Fee $0 $0 Balance Transfer Fee $0 $0 Late Fee Up to $27 Up to $20 Foreign Transaction Fee $0 $0 Financial Tips & Tools Get on the road to savings with these helpful auto-buying resources. What Happens When You Transfer Your Balance on a Credit Card? A balance transfer can be an ideal solution if you’re struggling to pay off your loans or credit card... Debunking 3 Credit Card Myths Credit cards are powerful financial tools that make spending and tracking expenses convenient, and often more secure... Cash, Credit, or Debit – What’s the Best Way to Pay? Every time you make a purchase, you have a decision to make – “How would you like to pay?”... FAQS Is there a minimum amount required for a balance transfer? A maximum? Can I transfer more than one balance to my PSECU card? How will a balance transfer appear on my credit card statement? What’s the grace period for online balance transfers to my credit card account? Can I use the online Visa® Balance Transfer service to pay off PSECU loans? 800.237.7328. Products & Services Banking Services Credit Cards Loans Investing Rates PSECU for Employers About Us Our Story Leadership Newsroom Careers Resources Routing Number: 231381116 Find an ATM Member Login Money Management Resources Important Information Privacy Legal Information Disclosures & Agreements Security © 2021 PSECU. All Rights Reserved. | sitemap | Insured by NCUA. Equal Housing Lender.