Your Debt Deserves Better Rates

Balance Transfers

Move high-rate credit card debt to CCCU. Lower rates, zero transfer fees, faster payoff.
Balance Transfer Form
Woman swiping credit card at restaurant

What Actually Is a Balance Transfer?

That minimum payment you're making? Most of it goes to interest, not your balance.

A balance transfer moves your debt from expensive cards to one with better rates. Instead of paying mostly interest each month, more of your payment reduces what you actually owe.

CALCULATE YOUR SAVINGS

How To Transfer Your Balance to CCCU

Moving your debt is simpler than you think:

Apply for CCCU card
Step 1: Apply for a CCCU Card

Get approved online or at a branch to see your transfer limit.

Request the transfer icon
Step 2: Request the Transfer

Tell us which balances to move. We pay off your old cards.

Pay it down icon
Step 3: Pay It Down Faster
Your balance moves to our lower rate. Every payment works harder.
Woman shopping with credit card on laptop

Why CCCU Makes Balance Transfers Better

  • Zero Transfer Fees: Big banks charge 3-5% to move your balance. We charge $0.
  • Competitive Rates: Our Platinum card starts at 12.25% APR with no annual fee.
  • Clear Terms: No confusing fine print. We keep everything straightforward.
  • Local Support: Chat online, call, or visit a branch. Our team helps you through the process.

 

CCCU Members in branch

Start Saving on Interest Today

You've seen the math. You know the savings. Now make the move that puts you back in control.

START MY TRANSFER
JOIN CCCU TODAY