Pay Down Debt, Transfer Your Balance, and Start Saving

Arbor Financial is offering a 4.99% APR+ with zero balance transfer fees when you move your high-rate credit card balance1 to a Visa Rewards Card or Advantage Card. Where other financial institutions may offer a low-rate transfer offer for a promotional period, the 4.99% APR+ is for the life of the transferred balance!

Get started today!
 

Get More Flexibility

  • 4.99% APR+. For the life of the balance transfer.
  • No minimum. Transfer as little or as much as your credit card can handle.
  • No fees. Unlike many balance transfer offers, Arbor Financial does not charge a balance transfer fee nor annual fees.
  • Limited Time Offer. Available January 1 – March 31, 2021.
 

Why Make the Move?

  • Pay a lower rate on your existing credit card balances, which could save you money on interest.
  • Consolidate payments from multiple credit cards to create one monthly payment.
  • Pay down standing balances from student loans, personal loans, auto loans, and more.
  • Work with a trusted Arbor Financial loan advisor to see how we can help put you in a better financial position.
A chart that compares credit card interest paid on a $15,000 balance; you would pay $480 in interest with an Arbor Credit Card, $1,608 in interest with a big bank credit card, and $23,970 in interest with a retail credit card.
 


How to Request a Balance Transfer

Current Cardholders

Easily request a balance transfer within online banking in the credit card portal by:
1. Log in to your online banking account.
2. Select your credit card account.
3. Choose Balance Transfer under Quick Links.
- OR -
4. Get started by filling out the Balance Transfer Form here, print off and bring to a branch.
- OR -
5. Give us a call at 269.488.5945, schedule an appointment, or visit any branch to speak with a friendly representative!

Don't Currently Have a Credit Card?

To take advantage of the 4.99% APRcredit card balance transfer offer, you'll first need to open an Arbor Financial credit card. Once you've been approved and have received your credit card, you can transfer over your higher interest rate credit cards by following the steps above.

Get started today:
1. Apply now
2. Call 269.488.5945
3. Visit any branch to speak with a friendly representative!


More Details
Advantage Card
Advantage Credit Card Open account
Rates for purchases

6.00% APR* - 15.25% APR*

Balance Transfers**

4.99% APR+ for life!

 
Points Program
 

N/A

Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Sign up for eStatements and earn a $5 credit.

Business Rewards Card
Business Rewards Credit Card Open account
Rates for purchases

Competitive Variable Rate
 

Balance Transfers**

N/A

Points Program

Use your CURewards points to get cash back, gift cards, merchandise and travel rewards when you make everyday purchases.

3X Points on Restaurants and Travel
2X Points on Groceries and Gas
1X Points on Everything Else

Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Earn 2,500 points for activation
Earn 500 points when you sign up for eStatements.

* Rates as of January 1, 2020. APR = Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information.

+ APR = Annual Percentage Rate. Offer valid through 3/31/21. Balance Transfer promotional rate applicable for the life of the balance. Some restrictions apply. Promotion, rate, terms and conditions subject to change without notice. Insured by NCUA.

1. You may transfer balances from other non-Arbor Financial credit cards up to your established credit limit.

Credit Card Disclosures.