Credit Card Balance Transfers
Find out how a credit card balance transfer works and whether it's the right move for you. Transfer your balances to an Advia Visa® Platinum Credit Card 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.
What is a credit card balance transfer?
A credit card balance transfer lets you move what you owe from one card to another to take advantage of a lower rate. Here's what you get with an Advia credit union balance transfer:
- As low as 0% intro APR on purchases and balance transfers¹
- Standard rates as low as 12.24% APR²
- $0 annual fees
- Available on Advia Variable Rate and Advantage Points Credit Cards
Why do a credit card balance transfer?
Moving your balances to a credit union balance transfer credit card can help you reduce credit card interest and take control of your debt. Here's why members choose to transfer:
- Save money on interest with a great low rate
- Combine multiple debts into one easy payment
- Boost your credit score by lowering your credit utilization
- Stop juggling multiple due dates and statements
- Take advantage of a 0% intro APR promotional period
- Pay off credit card debt faster by putting more toward your balance
Are balance transfers worth it? See the numbers for yourself.
Members who transfer balances to an Advia Visa® Platinum Credit Card enjoy rates well below the national average. During your intro period, you could pay 0% APR, and after that, your rate stays competitive.
How to transfer a credit card balance to another card.
The credit card balance transfer process is simple. You'll just need the other bank's name, address, account number, and the amount you want to transfer. Then follow these steps:
Log in to Digital Banking
Navigate to "My Cards"
Select "Balance Transfer" and follow the prompts
If you need a higher credit limit, contact us to apply (Optional)
Use our credit card balance transfer calculator to estimate your savings.
Wondering how much you could save? Enter your current card details and see how transferring your balance to an Advia Visa® Platinum Credit Card could reduce your interest and shorten your payoff timeline.
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.
Ready to start your credit union balance transfer?
Transfer your balances to an Advia Visa® Platinum Credit Card. Start reducing interest costs and simplifying your debt today.
Choose the right Advia Visa® Platinum Credit Card for your balance transfer.
Both cards offer 0% intro APR on balance transfers, no annual fee, and free fraud monitoring. Pick the one that fits your goals.
- Visa® Platinum Variable Rate Credit Card: Best for saving on interest with 0% intro APR for 12 billing cycles and standard rates as low as 12.24% APR
- Visa® Platinum Advantage Points Credit Card: Best for earning rewards with 0% intro APR for 6 billing cycles and up to 3% back on everyday purchases
To transfer a balance to your Advia Visa® Credit Card, you'll need the other financial institution’s name, address, account number (for credit cards, this is typically the full 16‑digit card number), and the amount you want to transfer. Simply log in to Digital Banking, then click 'My Cards' and 'Balance Transfer' to get started.
Still have questions about doing a credit card balance transfer?
We're here to help. Chat with Ava, schedule an appointment, give us a call, or stop by a branch.
- 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.
- Advia Visa Platinum Variable Rate Credit Card non-promotional rate has a range of 12.24% to 20.24% 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.
- 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/.
- Estimated member savings in 2025 were $4,031 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.