Balance Transfer Calculator

Tired of watching high interest eat away at your budget?

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Use this Balance Transfer Calculator to see how much you could save by moving debt to a City & County Credit Card.

Simply enter your current card details and see the difference our zero-fee transfers and lower rates could make in your financial journey.

Balance Transfer Basics

What exactly is a balance transfer?

A balance transfer lets you move what you owe on a high-interest credit card to a card with a lower rate—like one from CCCU. It’s a smart way to save money on interest and pay off your debt faster. Unlike most big banks, we never charge a fee to transfer your balance.

How does this calculator help?

This tool gives you a side-by-side look at how much interest you’re paying now vs. how much you could save with a CCCU card. You’ll get an estimate of your new payoff timeline and see how much faster you could be debt-free, without any added fees.

How long does a balance transfer take?

Most balance transfers to a City & County Credit Card are completed within 7-10 business days after submission. During this time, continue making payments on your original card until you confirm the transfer is complete to avoid any late fees.

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Low Rates, No Fees, Just Progress

At City & County Credit Union, we make it easy to pay off credit card debt faster (without any surprises). 

  • $0 balance transfer fees (most banks charge 3–5%)
  • APRs as low as 12.25%*
  • No annual fees or hidden charges
View Rates
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Make Your Payoff Plan Official

Don't have a CCCU card yet? Apply now to get started with low rates and no balance transfer fees.

Already a cardholder? Use our balance transfer form to start saving today.

Apply FOR CREDIT CARD
Balance Transfer Form