What to Know When Transferring Your Credit Card Balances

A few balances spread across different cards. A statement here, a due date there. Before you know it, a good portion of your monthly payment is going toward interest, money that could be working harder for you.

If that sounds familiar, you’re not alone. Many Arbor members reach out when they’re ready for a simpler, more confident way forward. That’s where a credit card balance transfer can help.

Why a Balance Transfer Can Make Sense

At its heart, a balance transfer is about clarity. By moving higher‑interest credit card balances to one card with a lower rate, you may be able to:

• Reduce how much interest you pay over time
• Simplify multiple payments into one
• See real progress as more of each payment goes toward the balance itself

Arbor’s Credit Card Balance Transfer Special is designed with that simplicity in mind, offering a 2.99% introductory rate with no balance transfer fee, so more of your money stays with you.* 

A Few Things to Consider Before You Transfer

Like any financial decision, balance transfers work best when they’re part of a thoughtful plan. Here are a few things worth keeping in mind:

Know your balances and rates.
Take a moment to list what you owe and the interest rates attached to each card. This helps you see how much you could save by consolidating.

Have a payoff goal.
A lower rate can give you breathing room, but pairing it with a plan, whether that’s paying more than the minimum or setting a target payoff date, can make all the difference.

Avoid adding new balances.
The goal is progress, not a reset. Keeping spending steady while you pay down transferred balances helps you get the most from the lower rate.

Understand Your Offer

Some transfer offers may look appealing with a 0% interest rate, but they have a large transfer fee attached that you will need to pay up front to transfer your balance. This can be costly. At Arbor, we have NO FEES with our transfer offer, so you can get a head start on paying down the balance that you deserve with the low rate.     

How Arbor Comes Alongside You

At Arbor Financial, we believe financial tools should feel supportive, not overwhelming. Our Consumer Lending team is here to talk through your questions, help you understand your options, and make sure a balance transfer truly fits your situation.

There’s no pressure, just a conversation focused on what’s best for you and your financial well-being.

When You’re Ready

If consolidating your credit card balances feels like the right next step, you can learn more about Arbor’s No Fee 2.99% APR Credit Card Balance Transfer and see if it fits your goals.

• Talk it through with our Consumer Lending team at 269.488.5945, or
• Visit our Credit Card Balance Transfer page to explore your options when it’s convenient for you

Sometimes, moving forward doesn’t require a big leap, just the right support and a clearer path.

Learn more about our Balance Transfer Offer

Use Our Balance Transfer Calculator to See How Much You Could Save

*Annual Percentage Rate (APR). Offer available as of 1/1/26. Balance Transfer promotional rate applicable for 6 monthly billing cycles. Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.