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Instantly lower your credit card payment when you apply for a new SMCU Platinum VISA® Card.

When you open a new card and transfer your current balance to a New SMCU Platinum VISA® Card, you could receive a special transfer rate.

  • As low as 1.99% APR* on the transferred balance
  • Rate valid for 12 Months only
  • New cards only

To apply for a new SMCU Platinum VISA® Card and transfer your current balance please call: 650-363-1725, visit a branch or apply online.

* APR = Annual Percentage Rate. The promotion rate is valid on balance transfers only and must be made during the promotional period date. Date is subject to change. Promotion period date effective as of January 1, 2014. The as low as 1.99% APR balance transfer rate is good for 12 months from the date of balance transfer. Thereafter, the rate will revert to the APR specified in your Card Agreement for balance transfers. A balance transfer fee of 3% of advance with a minimum of $4 and a maximum of $300 will be assessed at time of transfer. A late fee of $15 will be charged if minimum payment is not paid within 15 days after the payment due date. Cash advance and overdraft transfers are excluded from this offer. All loans are subject to credit, income and debt verification qualification. Balance transfers written against your account may not exceed more than half of the cash availability on your current balance. Any transaction that exceeds this cap may be declined. Penalty rate of 17.99% APR for late payments apply. See your Card Agreement for additional details. Rate and terms are subject to change at any time. You are eligible for membership in SMCU if you live, work, worship or attending school in San Mateo County, the City of Palo Alto or certain areas of San Francisco. A one-time membership fee of $10 ($1 for age 17 and under) is due upon joining SMCU. SMCU is an Equal Opportunity Lender. Federally insured by the NCUA.