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Balance Transfer Offer

Enjoy a special 1.99% APR† on all balance transfers made through February 28, 2022

If you have an SMCU credit card, this limited-time offer is availabe for you.

  • 1.99% APR† on all balance transfers
  • Special rate applies for 12 months
  • No balance transfer fee
  • This offer ends February 28, 2022

Transfer your balances today!

  • If you already have an SMCU credit card then fill out the form below and click SUBMIT.
  • Want a card with SMCU?  Then click the Apply Now button or Learn More to find the card that is right for you.

*Indicates Required Field

Transfer more balances?*:


Want to upgrade to a Visa Signature or apply for a higher credit limit?

Learn More  Apply Now


†APR = Annual Percentage Rate. Rate effective January 3, 2022.
1Promotional APR will be applied to all balance transfers made during the promotional period of January 3, 2022 to February 28, 2022. Cash advances are excluded from this offer. All loans and credit cards are offered on approved credit and are subject to qualification including offers to perform a balance transfer. Cards carry a variable rate that can change monthly. Promotional balance transfer APR is good for 365 days (12 months) from the date of the last balance transfer made during the promotional period. Thereafter, the rate for balance transfers will revert to the APR as disclosed in your Card Agreement. The balance transfer/cash advance fee of 3.0% of the transfer amount with a minimum of $4 and a maximum of $300 will be waived during the promotional period which ends February 28, 2022. Introductory APR with the as low as 2.99%APR* rate is good for the first 12 months on purchases.  If applicable, the introductory APR will be applied to all purchase transactions posted within the first 365 days of the new line of credit. Introductory offers carry conditions and can change without notice. Must be a member in good standing. Please ask an SMCU representative for complete card details or refer to your Card Agreement for complete card terms and conditions. Membership eligibility requirements apply.