Credit card balance transfers with a low promotional rate.

Transfer your credit card balances and enjoy a promo APR as low as 0% for 12 months.1 Keep more money in your pocket. Transfer today for fewer payments and fewer worries.

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Balance transfer features you'll use.

  • As low as 0% Promo APR for 12 months1
  • After 12 months as low as 8.90% APR2
  • $0 annual fees
  • Available on Advia Fixed Rate, Advantage Points,
    and Variable Rate Credit Cards

See all current Credit Card rates

Balance transfer benefits you'll love.

  • Save money on interest with a great low rate
  • Pay off your debts faster
  • Combine multiple debts into one easy payment
  • Boost your credit score

Reduce debt faster with a low-rate credit card balance transfer.

Save big when you transfer outside credit card balances to your Advia Visa® Platinum Credit Card. Whether you have holiday debt from store cards, balances on high-interest credit cards, or personal loans, save money on interest with a low-rate balance transfer.

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Members save an average of $3,907 on interest from transferred loans.3

How do you do a credit card balance transfer?

Transferring your credit card balances is simple.

  1. Log in to Digital Banking
  2. Navigate to your Advia Credit Card and click 'Manage Account'
  3. Click 'Account Info' > 'Balance Transfer'

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Estimate of how much you can save with a credit card balance transfer.

The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.

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Still have questions about doing a credit card balance transfer?

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  1. Promotional Annual Percentage Rate on balance transfers for the Advia Platinum Advantage Points, Fixed Rate, and Variable Rate Credit Cards made during the first 12 billing cycles after date of transfer during promotional period 1/1/25 - 3/31/25. Promotional offer does not extend to Business Visa Platinum Credit Card. A balance transfer fee of either $10 or 3% of the amount transferred, whichever is greater, will be assessed for each balance transfer processed on that account. Following the promotional balance transfer period of 12 months, the standard non-promotional APR will apply beginning the first day of new billing cycle. The non-promo APR for the Platinum Advantage Points and the Platinum Fixed Rate, is as low as 15.00% and 8.90% respectively. The non-promo APR for Variable Cards ranges from 15.00% to 18.00%. Failure to make the minimum periodic payment within 60 days from the due date during any card promotion, the non-promotional APR in effect on that account will be applied to the remaining promotional balance. If account is delinquent or over-limit at time of transfer, the promotional rate will not apply. Loans held with Advia are ineligible for this promotion. Rates as of 1/1/2025.
  2. Fixed Card Annual Percentages Rate: 8.90% to 16.90%. Variable Cards APR: 15.00% to 18.00%. Penalties apply for late and missed payments. Variable Rate Information: On variable rate programs, your APR may vary quarterly. The index is the highest Prime Rate charged by banks as published in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to: as low as Prime index+ 7.00%. An increase in the index will result in an increase to your APR.
  3. Average member savings over the life of the transferred loan(s) from 11/27/2023 to 11/27/2024.

Must be 18 or older to apply. All offers and rates subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.