Transfer your high-cost balances and save!

Lower your cost of debt. Consolidate your loans in one place.

Keep more money for yourself when you transfer your high-cost credit card and loan balances held at other financial institutions to an STCU MasterCard® credit card.

Transfer balances to your
existing STCU MasterCard

Transfer balances to your
new STCU MasterCard

  • Apply for new (nonrewards) STCU MasterCard. 
  • 1.90% intro APR on balance transfers for 12 months. After intro rate ends, remaining balance will be 7.99%-17.99% APR.
  • No balance transfer fee! 
  • STCU membership fee waived when you join online.

With your new STCU MasterCard, you also get 0% intro APR on all purchases during the first seven billing cycles (at least six months). After the intro period, purchases will be 7.99%-17.99% APR, depending on your creditworthiness.


Transfer today

Print and complete your balance transfer request, then bring it to any STCU branch location or mail to:

STCU MasterCard Balance Transfer
PO Box 1954
Spokane, WA 99210-1954


Low, fixed rate for purchases

Your STCU MasterCard isn't just for balance transfers. This card offers one of the lowest everyday purchase rates around from 7.99% to 17.99% APR depending on your creditworthiness making it easier to manage your monthly bill.

Apply today!

Not a member of STCU? Don't worry. Once we receive your credit card application, an STCU member service representative will contact you to complete your membership to STCU. The $10 membership fee is waived when you join online.

More about STCU membership


Chat with an STCU member service representative, call (800) 858-3750, or visit your nearest STCU branch location.