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Balance Transfer

Choose your deal!

Expires 2/29

Balance Transfer

Choose your deal!

Expires 2/29

Take charge of your financial well-being!

Are you tired of juggling multiple high-interest credit card payments each month? DFCU's Balance Transfer promotion isn't just an offer; it's a chance to simplify your financial life. Take advantage of this opportunity to consolidate those balances, streamline your payments, and focus on what truly matters to you.

Explore our Balance Transfer Offer

0% APR*
for 12 months

with a 3% up-front Transfer Fee


you can choose:

2.95% APR*
for 12 months

no up-front Transfer Fee

Interested in a Balance Transfer?

Simply provide your name and phone number and we’ll give you a call.

Call Request Form - Mobile

Or call us at 562.862.8141

How a DFCU Balance Transfer works:
  1. Before being able to initiate a Balance Transfer Request, Apply for a DFCU Credit Card if you do not have one already.
  2. Once approved or if you are already a DFCU Credit Cardholder, decide which offer is best for you and complete the Balance Transfer Form.
  3. After submitting your completed form, a DFCU representative will contact you with next steps!

Discover our range of low-rate VISA® choices!
After your 12-month period ends, enjoy:

FICO Classic APR* Rewards APR*
720+ 8.99% 10.99%
680-719 10.99% 12.99%
640-679 12.99% 14.99%
600-639 14.99% 16.99%
≤599 16.99% n/a

Frequently Asked Questions

🞡 What is a Credit Card Balance Transfer?
  • A balance transfer involves moving the existing balance from one credit card to another, often to take advantage of lower interest rates or promotional offers.

🞡 How does a balance transfer work?
  • You request a balance transfer from one card issuer to another. The new issuer pays off the old balance, and you owe the new issuer the transferred amount.

🞡 What are the benefits of transferring a credit card balance?
  • It can help consolidate debt, potentially lower interest rates, and simplify payments by combining multiple balances into one.

🞡 Can I transfer multiple balances onto one card?
  • Yes, many cards allow you to consolidate multiple balances onto a single card.

🞡 Is there a limit to the amount I can transfer?
  • Yes, most cards have a maximum transfer limit, usually a percentage of your credit limit.

*APR = Annual Percentage Rate. Members have a choice of a Balance Transfer rate of 2.95% APR for twelve (12) billing cycles from the date of the initial Balance Transfer with NO Balance Transfer fees, OR, a Balance Transfer rate of 0% APR for twelve (12) billing cycles from the date of the initial Balance Transfer with a 3% Balance Transfer fee. Promotion applies to qualifying DFCU credit cards and on the amount transferred only. Special Balance Transfer offer valid for transfers made from 01/01/2024 to 02/29/2024. Effective after the 12 billing cycles from the date of the initial Balance Transfer, all credit cards will default to the standard rate the member qualified for at the time of opening their DFCU credit card. Visit to view standard DFCU credit card rates. Minimum advance amount is $500 and can take up to 10 days for funding. Balance Transfers are allowed up to the credit card's available limit, minus a 3% fee if 0% APR option is chosen. Rates, fees and terms are subject to change at any time. All new credit card applications are subject to terms, conditions and credit approval. Offer valid only for Balance Transfers from credit cards and loan balances from other financial institutions. Transfers/transactions via Convenience Checks, Online/Mobile Banking, or regular purchases and cash advances do not qualify, and are subject to the standard rate and terms of the Credit Card Agreement. Finance Charges accrue from the transaction date. A late fee will be assessed for any late payments. There is a 60-day past due period prior to APR automatically reverting back to non-promotional rate. If after 60 days from the payment due date, the payment remains late or exceeds the member's credit limit, the credit card rate will default to the non-promotional standard rate the member was eligible for at the time of the Balance Transfer approval, and any remaining balances will accrue at the regular non-promotional standard APR. A Balance Transfer cannot be used to make payments on this or any other credit/loan account issued by DFCU. DFCU will allocate your payments to balances with higher APRs before balances with lower APRs. To get the promotional rate, you must fill out the Balance Transfer form. To download the Balance Transfer form visit our website at, call us at 562-862-8141, or visit our branch.
  • 3% Balance Transfer Fee for those choosing the 0% APR option.