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Illustrated credit card transferring its balance.
Illustrated credit card transferring its balance.
Illustrated credit card transferring its balance.
balance transfer to new traditional mastercard

1.9% intro APR for 12 months.*

APR thereafter.*

contact us

(509) 326.1954
(208) 619.4000
(800) 858.3750

Live Chat

8 a.m. – 5 p.m.

Consolidate and save.

Lower your cost of debt by moving high-cost credit cards and loan balances from other financial institutions to your STCU Mastercard®.

How it works.

A balance transfer moves the money you owe on a non-STCU credit card or loan to your STCU Mastercard, usually at a lower interest rate. Your balance transfer: 1) consolidates your payments in one convenient place, and 2) typically reduces your monthly payments to help pay your debts off faster.

At STCU, there is no fee when you make a balance transfer within 60 days of opening your STCU rewards or traditional credit card. Your rate on those transferred balances is good for 12 months, giving you time to catch up and pay off debts faster.

Lower your cost of debt.

Reduce your cost of debt by transferring high-priced credit card or loan balances from other financial institutions to your existing STCU Mastercard ― and pay no balance transfer fee!

For a limited time, you can reduce your rate to as low as 4.99% APR for six months. After the promo rate expires, your balances will be 7.99-17.99% APR on a traditional STCU Mastercard or 10.99-20.99% variable APR on a rewards Mastercard.

Offer ends June 30, 2018, and is based on member eligibility. Transfer your balances today!

Start your balance transfer.

To get started, message or call us during regular business hours. We also can help at any STCU branch location. Just bring your account information from the other financial institutions to complete your balance transfer.

Online banking shortcut!

If you already have an STCU Mastercard, you can save time by transferring your balances online. Simply log into your online banking account, then click "Self-service" and "Transfer card balances." 

STCU credit cards.

Fixed-rate and rewards credit cards, with Passport Unlimited.

Passport Unlimited

Get instant discounts and deals when you pay with your STCU Mastercard.


*1.90% intro annual percentage rate (APR) for 12 months (or 13 billing cycles) on balance transfers. Thereafter, the rate is 7.99-17.99% fixed APR for traditional cards; 10.99-20.99% variable APR for rewards cards.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.