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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.*

View rates and terms

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Make your move!

Ready to lower your cost of debt... save some money... and slash your interest rate?

Transfer your high-cost credit card and loan balances from other financial institutions and department stores to your STCU Mastercard®.

A balance transfer will reduce your cost of borrowing to 1.9% intro annual percentage rate (APR) for 12 months (or 13 billing cycles) — with no balance transfer fee! After the intro period, your rate on any remaining balance will be the standard APR for purchases, currently 9.99-20.99% APR for a traditional card and 9.49-19.49% variable APR for a rewards card.

This offer is available to eligible new members and existing members who do not yet have an STCU credit card, but complete the balance transfer within 60 days of opening a new STCU Mastercard.*

Why transfer balances?

  • Get out of debt. Reducing your interest rate can free up money to aggressively pay your debts off faster.
  • Simplify your money. By consolidating your debts in one place, you can shift from juggling multiple accounts to just one monthly payment due on the same date. That makes it easy to track your money — and less likely you'll forget a payment.
  • No balance transfer fee!1 By acting now, you'll avoid balance transfer fees typically charged for moving account balances. That's why we recommend you move as much of your credit card and loan debt as possible when you take advantage of STCU's introductory, no-fee balance transfer offer.

How it works.

A balance transfer is simple to complete and even easier to understand. When you request a balance transfer, you give STCU permission to pay off your debt at other financial institutions or department stores. That debt is then transferred to your STCU Mastercard, but at our low intro APR described above for 12 months. The debt still exists, but you'll be charged less interest, which means you can keep more money for yourself or apply more to reduce your overall balance.

How to make a balance transfer.

To get started, chat online or call (509) 326-1954 or (208) 619-4000 during regular business hours, or visit any STCU branch location. You'll need to provide your account information, which can be found on your monthly statement from your other financial institutions or department stores.

Existing cardholders!

Log into your online banking account to see if you have been prequalified  for any offer that's currently available. (Once logged in, choose the "Self-service" tab, then "Transfer card balances.") Or contact STCU during regular business hours on LiveChat or phone at (509) 326-1954 or (208) 619-4000.


* The 1.90% intro annual percentage rate (APR) for balance transfers is good for 12 months (or 13 billing cycles). Thereafter, the rate is 9.99-20.99% fixed APR for traditional cards; 9.49-19.49% variable APR for rewards cards. Introductory rate availability based on creditworthiness. Not all applicants will qualify for these rates.

Membership fee may be required when joining STCU. All loans, including credit card applications, subject to approval.

1To view STCU credit card fees and disclosures, open the following documents:
STCU Traditional Mastercard
STCU Rewards World Mastercard
STCU Premier Rewards World Mastercard

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