Cozy Up to a Lower Rate This Fall 🍂
As the leaves change and cooler weather settles in, fall can be a great time to take a fresh look at your finances. If high-interest credit card balances are weighing you down, Electrical Federal Credit Union may be able to help you lighten the load.
For a limited time, transfer balances from other credit cards to your EFCU Visa Credit Card and enjoy a special:
2.99% APR on Balance Transfers for 15 Months!
Why Consider a Balance Transfer?
When you're carrying a balance on a higher-interest credit card, a significant portion of your monthly payment may be going toward interest instead of reducing what you owe.
Moving that balance to your EFCU Visa at a lower promotional rate could help you:
Save money on interest during the promotional period
Pay down your balance faster by putting more of your payment toward principal
Simplify your finances by consolidating credit card balances
Create a plan to tackle debt before the holiday season and new year
A Little Lower Rate Can Make a Big Difference
Consider a $5,000 credit card balance at an 18.00% APR. Interest charges can add up quickly, especially if you're only making smaller monthly payments.
With EFCU's special 2.99% APR balance transfer rate for 15 months, more of your payment can go toward reducing your balance instead of paying interest.
The key is to use those 15 months wisely. Consider setting a monthly payment goal and taking advantage of the promotional period to make meaningful progress toward paying down your balance.
Already Have an EFCU Visa?
Great! You may be able to take advantage of this special balance transfer offer without opening another credit card. Contact us and we'll help you get started.
Don't Have an EFCU Visa Yet?
There's still time to apply. An EFCU Visa gives you the convenience of a credit card backed by the personal service you expect from your credit union.
🍁 Leave the Higher Rate Behind
Fall is all about change. This might be the perfect time to change what you're paying in credit card interest, too.
Transfer your eligible credit card balances to your EFCU Visa and enjoy 2.99% APR for 15 months.
Offer available September 1 through October 31, 2026.
Contact EFCU today to learn more, request a balance transfer, or apply for an EFCU Visa Credit Card. You can also apply for an EFCU Visa Credit Card or a credit line increase online by clicking here.
EFCU
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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.
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