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2.99% APR No FEE Credit Card Balance Transfer* 

One Card, One Rate, Zero Transfer Fees

Swap Over Your High-Interest rate credit card balances to a Visa Rewards Card or Advantage Card and save! 

One Rate: Switch other balances over to Arbor for a low, fixed rate of just 2.99% APR* for 6 months

One Card: By consolidating your other credit card debt into one easy, fixed monthly payment, you can simplify life 

Zero Transfer Fee: With NO transfer fees, you can pay less interest on your balance and pay off debt faster

Transfer Your Balance To Arbor Financial

A balance transfer can be a great solution if you have high credit card debt. Consolidate your balances into one easy monthly payment and reduce interest with a low-rate transfer to a new or existing Arbor Financial Credit Union Visa Credit Card. Already have a card? You can also apply for a balance transfer in Mobile & Online Banking in the Card Management section. If you don't have an Arbor Financial credit card, you will need to apply for a card first. 

Here is What You Will Need: 

  • Name and payment address of the other financial institution or merchant 
  • Full Credit card number 
  • The balance of the card(s) you want to transfer 

I Have an Arbor Credit Card 

Transfer My Balance

I Need an Arbor Credit Card 

View Cards and Apply

 

How a Balance Transfer Works

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Request a Balance Transfer 

Fill out the Balance Transfer Form, use Mobile & Online Banking, or apply for an Arbor Credit Card.

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Complete Transfer

A payment will be sent on your behalf to the credit card vendor and added to your Arbor Credit Card balance.

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Begin Making Payments 

Once a request is processed, begin making payments on the balance. 

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Monitor Old Cards 

Ensure that your old card's balance is accurate and that you close the account if necessary. 

See How Much You Could Save By Transferring Your Balance 

 

* Annual Percentage Rate (APR). Offer available as of 1/1/25. 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.