Visa® Credit Card balance transfers

Transfer your credit card balances and enjoy rates as low as 0% APR for up to 12 months.1 After that, get a competitive low variable rate. Don't have an Advia Visa® Platinum Credit Card? Choose the card option that works best for you.

Already have an Advia Visa® Credit Card? See transfer offers just for you.

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Balance transfer features you'll use:

Balance transfer benefits you'll love:

  • Save money on interest with a great low rate
  • Pay off your debts faster
  • Combine multiple debts into one easy payment
  • Boost your credit score

Reduce debt faster with a low-rate credit card balance transfer.

Save big when you transfer outside credit card balances to your Advia Visa® Platinum Credit Card. Whether you have holiday debt from store cards, balances on high-interest credit cards, or personal loans, save money on interest with a low-rate balance transfer.

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After the intro period as low as 0% APR,1 enjoy credit card rates below the national average.

Advia
credit cards as low as
12.24%
APR2

National Average
credit card interest rate
19.80%
APR3

Members save an average of nearly $4,000 on interest from transferred loans.4

How do you do a credit card balance transfer?

You'll just need the other bank’s name, address, account number, and the amount you want to transfer. Then follow these steps:

  1. Log in to Digital Banking
  2. Navigate to 'My Cards'
  3. Select 'Balance Transfer' and follow the prompts

If you need a higher credit limit, contact us to apply.

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Estimate of how much you can save with a credit card balance transfer.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

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Still have questions about doing a credit card balance transfer?

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  1. Visa® Platinum Advantage Points Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Platinum Advantage Points Credit Card for the first 6 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 6 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 14.24% to 22.24% APR, based on your creditworthiness. Visa® Platinum Variable Rate Credit Card New Cardholder Offer: Intro APR as low as 0% on purchases made with Advia Visa Variable Rate Credit Card for the first 12 billing cycles after date of card issuance. Balance transfers made within 3 months from card issuance receive intro APR for 12 billing cycles from date of first balance transfer. The non-promotional variable APR will apply beginning the first day of the new billing cycle after the 6-month intro period. The non-promotional rate has a range of 12.24% to 20.24% APR, based on your creditworthiness.
  2. Advia Visa Platinum Variable Rate Credit Card non-promotional rate has a range of 12.74% to 20.74% APR. Annual Percentage Rate is based on creditworthiness of borrower. The APR is subject to change quarterly based on the Prime Rate on the first day of each calendar quarter (January, April, July, and October), to which we add a margin. An increase in the index will result in an increase in your APR.
  3. Source: The weekly national average credit card interest rate as of 12/10/2025 is 19.80% APR according to Bankrate: https://www.bankrate.com/credit-cards/advice/current-interest-rates/.
  4. Estimated member savings in 2024 were $3,937 in average interest saved per transferred loan.

A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Late payments or other account violations may result in the loss of the intro APR. If account is delinquent or over-limit at time of transfer, the intro rate will not apply. Promotional offer does not extend to Business Visa Platinum Credit Card. Loans held with Advia are ineligible for this promotion. Must be 18 or older. Rates as of 01/02/2026. Offer and rates are subject to change at any time. APR = Annual Percentage Rate. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to approval. Equal Opportunity Lender.