Balance transfers.

Thinking of joining the credit union? Already a member, but don't yet have an STCU credit card? This is a great time to join STCU and to open a new STCU Mastercard!

During the first 90 days of your new card, you can transfer your high-cost credit card and consumer loan balances on store cards, or from your old financial institution.

Choose from one of two money-saving options:

1. Get 0% intro APR on card balances you transfer during the first 18 months, with a 3 percent fee on each transfer, or $5, whichever is greater. After the intro period, your rate will be 9.99-20.99% annual percentage rate (APR) for STCU's traditional Mastercard and 14.74-24.74% variable APR for an STCU rewards Mastercard.*
   
   
2. Or get 0% intro APR on all purchases you make during the first 18 months! After the intro period, your rate will be 9.99-20.99% annual percentage rate (APR) for STCU's traditional Mastercard and 14.74-24.74% variable APR for an STCU rewards Mastercard.*

Compare all cards

How does a balance transfer work?

A balance transfer occurs when you give STCU permission to pay off your debts at other, more expensive financial institutions or stores. Your balances are transferred to your STCU Mastercard at terms often far kinder to your monthly budget.

Why do a balance transfer?

Balance transfers to your new STCU credit card are a smart way to:

• Get out of debt. By reducing your interest rate, you'll free up more money to aggressively pay your debts off faster.
• Simplify your financial life. By consolidating your balances onto one, low-cost card, you  eliminate the need to juggle accounts and reduce the risk of missing payments.
• Get the benefit of a secure, low-cost card from a local credit union you trust. STCU continues its long tradition of providing the lowest possible Mastercard rates to our members, including Passport Unlimited discounts and all our great standard benefits (such as zero liability protection against unauthorized transactions) on every credit card. 

Start your balance transfer now.

A balance transfer takes just a couple of steps to complete, depending on your situation:

• Not yet an STCU member? Join the credit union online, apply for a Mastercard, then transfer your balances.
• Already a member, but never had an STCU credit card? Apply for your STCU Mastercard online, then request a balance transfer in online banking by choosing "My accounts > Transfer credit card balances".

To complete your balance transfers, you'll need the account information from the cards or loans held at other financial institutions or stores. Monthly account statements are a good source.

Need help? Chat or call an STCU member service representative at (509) 326-1954 or (208) 619-4000 during regular weekday business hours. Or visit any available STCU branch location.