🍂 Cozy Up to a Lower Rate This Fall

Fall is a great time to simplify, save, and leave those higher-interest credit card balances behind.

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For a limited time, transfer your balances from other credit cards to your EFCU Visa Credit Card and enjoy a special:

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2.99% APR on Balance Transfers for 15 Months!

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Consolidating your higher-rate balances onto your EFCU Visa could help you:

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• Save money on interest
• Simplify your monthly payments
• Pay down your balances faster
• Keep more money in your pocket for the things that matter

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Simplify your payments and save this fall.

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This special balance transfer rate is available September 1 through October 31, 2026.

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Ready to cozy up to a lower rate?

Contact EFCU today to transfer your balances or click the link below to apply for an EFCU credit card.

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Offer valid on qualifying balance transfers completed September 1 through October 31, 2026. Promotional APR of 2.99% applies to eligible transferred balances for 15 months. After the promotional period, any remaining balance will be subject to the applicable Visa APR. Additional terms and conditions may apply.  APR = Annual Percentage Rate.  Proof of income and account membership with EFCU is required.