Let’s simplify debt, together. 0% APR1 for 15 months.
Move your balances to our Balance Transfer Credit Card and keep more of your money where it belongs—with you.
Your fresh start begins here
When you open a Balance Transfer credit card, you can:
Pay off your debt faster
Save money on interest
Consolidate your debt
Streamline your finances
Improve your credit score
“I have been a member of PCU for many, many years now and each time I need a loan, have a question, or need assistance with any financial matters, the staff have always been there to assist and understand my situation. This time was no exception. Andre was extremely professional, kept in touch with me each step of the way, and was very knowledgeable with his answers and direction to all my needs and concerns. Exemplary staff members like Andre are the reason I kept my account with the credit union when I relocated to North Carolina.”
- Kim S.
- Palisades CU Member
Palisades CU vs. the Big Banks
Banking that gets you
Our team lives here, works here, and truly understands what ‘local’ means. You get modern banking tools backed by the kind of neighborly connection bigger institutions can’t match.
Palisades CU | The Others | |
Community-focused, relationship-driven | icon-check | icon-x |
Dedicated to our neighbors | icon-check | icon-x |
Personalized advice | icon-check | icon-x |
Invested in local businesses and community | icon-check | icon-x |
Member, neighbor, part of the family | icon-check | icon-x |
Financial solutions built around your goals | icon-check | icon-x |
Debt simplified: one card, one payment.
Consolidate your payments and streamline your finances. If you find it hard to make multiple loan payments, this may be the perfect card for you.
Balance Transfer Credit Card FAQs
Common questions about our balance transfer credit card.
What’s the main advantage of a balance transfer card?
You’ll pay less interest, simplify your payments, and have a clear path to paying off your debt faster.
Will transferring a balance affect my credit score?
Applying for new credit can cause a small, temporary dip in your score. But consolidating your debt and making on-time payments can help improve your credit over time.
Is there a limit on how much I can transfer?
Your transfer amount can be as much as your total available credit limit, so you can move all or part of your balances as needed.
How long does a balance transfer take?
When you apply for our balance transfer card, the request is sent to our Electronic Services team for processing. Our team then sends a check to your original card processor. Because of this, the transfer can take about 7-10 business days.
Can I still use the card for new purchases?
Yes, but we recommend focusing on paying down your transferred balance first to get the most benefit from the 0% APR1 interest rate.
Make your move today
Zero interest, no hassle—just an easy path to being debt-free.
Current credit card rates & fees
| Interest Rates & Fees | Platinum Rewards MasterCard | Secured MasterCard |
|---|---|---|
| Annual Percentage Rate (APR) for Purchases | 15.74% – 17.99% based on creditworthiness. Variable based the Prime Rate. 3 | 17.99% |
| Annual Percentage Rate (APR) for Balance Transfers | 17.99% | 17.99% |
| Introductory Balance Transfer APR & Terms | 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. | 0% introductory APR for 15 months. After introductory period, standard balance transfer APR will apply. |
| Annual Percentage Rate (APR) for Cash Advances | 17.99% | 17.99% |
| Annual Fee | $0 | $0 |
| Balance Transfer Fee | 3% of the amount of each transfer, or $5, whichever is greater | 3% of the amount of each transfer, or $5, whichever is greater |
| Cash Advance Fee | 3% of the amount of each transfer, or $5, whichever is greater | 3% of the amount of each transfer, or $5, whichever is greater |
| Foreign Transaction Fee | 1% of each transaction in US dollars | 1% of each transaction in US dollars |
| Late Payment Fee | Up to $25 the first time payment is late 1 day or more. Subsequent late payments within the following 6 billing cycles will be charged $35 for each late payment. | Up to $25 the first time payment is late 1 day or more. Subsequent late payments within the following 6 billing cycles will be charged $35 for each late payment. |
| Returned Payment Fee | Up to $25 the first time payment is returned for any reason. Subsequent returned payments within the following 6 billing cycles will be charged $35 for each returned payment. | Up to $25 the first time payment is returned for any reason. Subsequent returned payments within the following 6 billing cycles will be charged $35 for each returned payment. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on any purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balances transfers on the transaction date. | Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on any purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balances transfers on the transaction date. |
| Earn Rewards on Purchases | Yes – 1 point / $1 in purchases | Not Applicable |