FSU Credit Union is offering promotional rates as low as 0.99% APR* on credit card balance transfers processed through May 31, 2022. All FSU Credit Union credit cards have no annual fee, and with our Visa Platinum Rewards Card, you earn one point for every dollar in net credit card purchases. ** Once you earn 2,500 points you can start redeeming your points for great merchandise through the CU Rewards Store. Points can also be used for travel or paying toward your balance.

The promotional rate is valid for 12 months from the balance transfer date, after which standard rates as low as 7.95% APR* apply. A 2.99% fee applies to the amount transferred.

Wondering if a balance transfer is right for you? Take a look at these top reasons to make a balance transfer:

1. Low-interest debt
Obviously, your biggest push for making a balance transfer is to not accrue high interest on the debts you’re transferring. With FSU Credit Union’s current promotion, you can take advantage of rates as low as 0.99% APR* for 12 months. If you’re stuck with a high-APR credit card, you can easily be paying upward of $80 a month, just in interest! Making a balance transfer will allow you to take a real bite out of your debt and make progress toward getting rid of it completely. You’ll be saving money and working toward an important goal at the same time.

2. Convenience
The more monthly bills you need to pay, the greater the chance of missing a payment. A balance transfer may allow you to consolidate the balances of several different cards into one. This way, the number of monthly payments will go down, and it will be that much easier to keep on top of payments.

3. Motivation
Too often, people get trapped in a cycle of debt. When they feel like they’re in over their heads, they continue swiping and spending as they please, figuring that another few hundred dollars won’t make a difference to the huge mountain of debt. Many people find that taking this significant step toward paying down debt motivates them to be more careful with spending habits. After all, you aren’t trying to get rid of your debt just so you can rack up another bill.

For more information on FSU Credit Union credit cards, visit our Credit Cards page. Ready to make that balance transfer? Email support@fsucu.org or call 850-224-4960.

*APR = Annual Percentage Rate. Promotional balance transfer rates range from 0.99%-2.99% APR dependent upon member eligibility and creditworthiness. Not all applicants will qualify for the lowest rate. The special balance transfer APR offer is available 2/1/22 – 5/31/22 on balance transfers only. There is no grace period on your balance transfer. If you take advantage of this balance transfer offer, you will be charged interest on purchases. To avoid paying interest on purchases, you must pay your entire balance by the next due date, including balance transferred under this promotion. Balance transfer must come from another lender or financial institution to qualify and cannot exceed the credit limit at promotional rate, which is determined based on your creditworthiness. The promotional APR will apply for twelve (12) months from date of the first balance transfer was completed. After the 12th billing cycle, all transferred balances convert to the rate in your credit card account opening disclosure, currently 7.95% -18.00% APR based on product type and creditworthiness. Rates are effective as of 3/1/22 and are subject to change. New and existing qualifying cardholders are eligible; some exclusions apply. The APR for purchases and cash advances will be disclosed at the time of credit approval. Other restrictions may apply. Contact Florida State University Credit Union for complete promotional details. Membership fee is $10.00.

**Visa Platinum Rewards calculates points based on sales transactions. They earn 1 point for every one net dollar in credit card purchases. Balance transfers, convenience checks, finance charges, cash advances, quasi-cash, fees, and any transaction unauthorized by the cardholder are excluded from point calculation. Calculated points expire after 5 calendar years.

 

 

 

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