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Balance Transfers

Breathe Easy

Balance transfers as low as 1.99%

Get Started

Balance Transfers

Breathe Easy

Balance transfers as low as 1.99%

Get Started

High-interest credit card balances are expensive and difficult to pay off, leaving most cardholders feeling frustrated, overwhelmed, and trapped. A Members 1st balance transfer moves your balance to a Members 1st credit card with a low promotional rate, allowing you to pay off or pay down your balance more effectively and affordably.

Choose Your Card

Visa Memberperks Rewards

Earn rewards on your everyday purchases for cash back, travel, and more
Visa Memberperks Credit Card

Visa Memberperks Rewards

Earn rewards on your everyday purchases for cash back, travel, and more

Introductory (Promotional) APR*

Fixed 1.99% APR* for 6 months with a 5% or $5 transfer fee, whichever is greater with no deferred interest or a fixed 5.99% APR* for 12 months with no transfer fee and no deferred interest.

Standard APR*

Rates as low as 12.99%. The Standard APR* will be applied to all outstanding balances after the promotional period or if the promotional period is nullified due to a payment made 60 days or more late.

Annual Fee

$0

Visa Classic

Built with our lowest rate for maximum savings and affordability
Visa Classic

Visa Classic

Built with our lowest rate for maximum savings and affordability

Introductory (Promotional) APR*

Fixed 1.99% APR* for 6 months with a 5% or $5 transfer fee, whichever is greater with no deferred interest or a fixed 5.99% APR* for 12 months with no transfer fee and no deferred interest.

Standard APR*

Rates as low as 9.99%. The Standard APR* will be applied to all outstanding balances after the promotional period or if the promotional period is nullified due to a payment made 60 days or more late.

Annual Fee

$0

Visa FIRST

Specific for first-time credit cardholders that don't have a credit card
Visa First

Visa FIRST

Specific for first-time credit cardholders that don't have a credit card

Introductory (Promotional) APR*

Fixed 1.99% APR* for 6 months with a 5% or $5 transfer fee, whichever is greater with no deferred interest or a fixed 5.99% APR* for 12 months with no transfer fee and no deferred interest.

Standard APR*

Rates as low as 24.99%. The Standard APR* will be applied to all outstanding balances after the promotional period or if the promotional period is nullified due to a payment made 60 days or more late.

Annual Fee

$0

Visa Share Secured

Re-establish damaged credit and build positive credit history
Visa Share Secured

Visa Share Secured

Re-establish damaged credit and build positive credit history

Introductory (Promotional) APR*

Fixed 1.99% APR* for 6 months with a 5% or $5 transfer fee, whichever is greater with no deferred interest or a fixed 5.99% APR* for 12 months with no transfer fee and no deferred interest.

Standard APR*

Rates as low as 18.99%. The Standard APR* will be applied to all outstanding balances after the promotional period or if the promotional period is nullified due to a payment made 60 days or more late.

Annual Fee

$0

How to Request a Balance Transfer

  1. Choose your preferred promotional rate.
  2. If you have an existing Members 1st credit card, simply complete the Balance Transfer Request Form. If you don't have a Members 1st credit card, please complete a Card Application to complete your balance transfer and receive your credit card.
  3. Set up your preferred method of payment.
  4. Manage your card from Online Banking or the Mobile App.
Important Information

*APR = Annual Percentage Rate. Subject to credit approval on new cards. Promotional rate is 1.99% fixed APR for 6 months with a balance transfer fee of $5 or 5% of the amount of each balance transfer, whichever is greater, or 5.99% fixed APR for 12 months with no balance transfer fee. Thereafter, the prevailing APR will be applied to the outstanding balance. Limited time offer. Subject to change without notice.

Apply now or speak with one of our loan officers at (800) 303-3838.

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