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Balance Transfer

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Kick off 2025 with a 5.9% APR* Visa Credit Card Balance Transfer for 12 months

The average American household carries over $7,000 in credit card debt1, with interest rates higher than 27% APR2. 

ACU wants you to kick off 2025 with a fresh start! Make your financial well-being a priority by transferring your credit debt to an ACU Visa® Credit Card. Say goodbye to balance transfer fees and hello to a low 5.9% APR for 12 months. 

The ACU Visa Credit Card is more than a low APR credit card; it's an opportunity to lift the burden of high-interest debt, helping you keep more of your hard-earned money where it belongs—in your pocket.

Let 2025 be the year you take control of your finances and embrace a fresh start. At Associated Credit Union, we help you live, bank, and grow. 

Existing ACU Visa Credit Card holders can apply for a balance transfer through Online Banking by selecting Apply Now and selecting Visa Balance Transfer Form.

Don't have an ACU Visa Credit Card? Click here to apply.

Visa PRO$PER Signature Credit Card

  • Variable APR
  • No annual, minimum finance charge, or foreign transaction fees
  • 1% cash back on all purchases
  • 1.5% quarterly cash back offers
  • ScoreCard Rewards ($1 spent = 1 point)
  • ScoreMore Rewards (bonus points at participating retailers)
  • Travel and Emergency Assistance Services
  • Auto Rental Collision Damage Protection
  • Extended Warranty Protection

Visa Platinum Preferred Credit Card

  • 17.00% fixed APR
  • No annual, minimum finance charge, or foreign transaction fees
  • ScoreCard Rewards ($1 spent = 1 point)
  • ScoreMore Rewards (bonus points at participating retailers)

View our Credit Card Agreement and Disclosures.

*APR = Annual Percentage Rate.

1 As of 11/01/2024, according to the Lending Tree article titled 2024 Credit Card Debt Statistics. The complete report is available here.

2 As of 11/01/2024, according to the Forbes Advisor Weekly Credit Card Rates Report, the average credit card interest rate is 28.65%. The complete report is available here. 

Offer valid January 1, 2025, through March 31, 2025, for non-Associated Credit Union credit card balances transferred to Associated Credit Union Visa Platinum Preferred and PRO$PER Signature Credit Cards only. Introductory 5.9% balance transfer rate for 12 months and 0% balance transfer fee applies on account opening date. Must transfer $1,000 minimum per card and have $1,000 minimum credit limit. The transfer amount is limited to the approved credit limit or a maximum of $15,000.

Visa Platinum Preferred Credit Card: Standard 17.00% fixed APR applies to unpaid balance transfer based on creditworthiness after offer ends and to new purchases unless balance paid in full by next due date.

Visa PRO$PER Signature Credit Card: Standard variable APR applies to unpaid balance transfer after offer ends and to new purchases unless balance paid in full by next due date. Standard variable APR equals prime rate (index) plus margin (4.9%, 5.9%, or 6.9%). Rate based on credit worthiness and varies with prime rate.

Cash back and reward points do not apply to balance transfer. Must pay entire balance by next due date, including balance transfer to avoid interest. Payments applied to highest rate first. Visa Credit Card terms and conditions apply. Associated Credit Union reserves the right to refuse duplicate account transfers and withdraw offer. View the Credit Card Agreement and Disclosures and Visa PRO$PER Signature Credit Card Guide to Benefits.