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Visa Balance Transfer

Save More of Your Money for What Matters to You.

Stop overpaying on higher-interest credit cards. Transfer your balance to a Family Trust Visa® Credit Card1 by March 31, 2025 and pay 1.99% APR on the balance until 2026.1,2

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Why switch to a Family Trust Credit Card?

  • $0 fees: No annual, transfer, or cash advance fees1,3

  • VISA® perks: Roadside dispatch, worldwide acceptance, and emergency card replacement4

  • Convenience: Secure online checkout5 and free digital banking access6

And get rewarded too! Our Platinum Awards Visa credit card earns 1 point per $1 spent, redeemable for cash, gift cards, travel, and more!7

Don't wait. Start saving more of your money for what matters to you.

APPLY ONLINE

 

  1. Must be 18 to apply. As of 1/1/2025, the variable Annual Percentage Rate (APR) for credit cards ranges from 13.20% - 17.90%. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, visit www.familytrust.org or call 803-367-4100 to speak with a Lending Consultant. Additional terms, conditions and exclusions apply.

  2. Between 01/01/2025 – 03/31/2025, your APR for balance transfers and cash advances will be 1.99%, and will remain at this promotional rate until 12/31/2025. On 01/01/2026, the unpaid balance of any promotional rate balance transfers and cash advances will revert to the variable APR in force in your credit card agreement, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement. Only applies to balance transfers from other financial institutions and cash advances made during this “promotional period,” which may not exceed your approved credit limit. Qualifying cash advance transactions include those processed using an ATM, PIN or digital banking. The promotional APR does not apply to purchases, transactions processed as a credit through the Visa network or transactions made after March 31, 2025. We may end your promotional APR and apply the prevailing APR if you are 60 days late in making payments. We reserve the right to change or end this offer at any time without notice. For questions about this promotion, contact your Lending Consultant or call 803-367-4100.

  3. Interest begins to accrue on balance transfers and cash advances from the transaction date. These transactions are subject to the APR outlined in your credit card agreement.

  4. For complete details, terms and conditions, visit https://usa.VISA.com/en_us/VISA-offers-and-perks/?category=97.

  5. To find out more about VISA Checkout, transitioning to VISA Secure Remote Commerce (SRC), visit https://usa.VISA.com/pay-with-VISA/checkout.html. The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

  6. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.

  7. Eligible members can redeem points through MyRewardsTM . For complete terms and conditions, or to redeem points, visit the MyRewards website or call 1-866-203-9369.

Copyright © 2025 Family Trust Federal Credit Union. All Rights Reserved Federally Insured by NCUA. 

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