Balance transfer

Transfer your balance from one, or multiple cards, to a low-rate GECU credit card to potentially save on interest and conquer debt faster.

One monthly payment
Less paid toward interest
Faster results

Why transfer your balance(s)?

A balance transfer involves moving your debt from one or more credit cards to a single credit card allowing you to focus on what you still owe but consolidated into just one account with one interest rate. Balance transfers can help consolidate payments and lead to a lower interest rate if under a promotion, which could save you money in the long run.

How it works

Transfer debt from a high-rate credit card onto a new or existing GECU credit card.

When submitting your balance transfer request, you will need the name and address of the other financial institution, your account number at that institution, and the amount to transfer.
Complete our balance transfer form and mail it or drop it off at a branch location near you.

Apply for a new credit card

Choose your card. With multiple options and reward opportunities, we've got a card to suit your needs.
Get your application started online and include your balance transfer details. Upon approval, we'll process your application and balance transfer all in one go!

Card	APR
Visa Signature®	As low as 15.49%
Platinum	As low as 13.49%
Gold	As low as 13.49%
The Classic	As low as 11.99%
Classic Secured	As low as 18.00%
Business	As low as 14.49%

Get more out of your GECU credit card

Digital wallets

Store your GECU credit card credentials in a digital wallet² for a faster, more secure way to make purchases in-store, in-app, and online.


An easy, secure, and private way to make purchases with your Apple iPhone®, iPad®, or Watch®. How to enroll	Android™ users can pay with your phone or watch at more than 1 million stores across the U.S. Set up instructions	Samsung Pay gives you the freedom to pay from your Samsung phone or watch securely at almost anywhere you use your GECU card(s). Get started

An easy, secure, and private way to make purchases with your Apple iPhone®, iPad®, or Watch®.

How to enroll

Android™ users can pay with your phone or watch at more than 1 million stores across the U.S.

Set up instructions

Samsung Pay gives you the freedom to pay from your Samsung phone or watch securely at almost anywhere you use your GECU card(s).

Get started

FICO® Scores

GECU credit cardholders have access to their FICO® Score online, for free, within Online Banking and mobile app.³ If credit card debt overstayed its welcome, it's important to check and monitor your credit score. This will allow you to see what your starting point is and the progress you make as you pay off debt and practice healthier credit habits. Use these additional resources to learn better credit behaviors and tips:

ID Navigator powered by NortonLifeLock™

All GECU credit cards come with ID Navigator powered by NortonLifeLock™,⁴ which combs through the Dark Web and private forums for your personal information and sends suggested next steps if any are discovered. This provides an additional layer of protection against identity theft.

Top 3 Balance Transfer Strategies You Should Use

A balance transfer is a fantastic opportunity for cardholders to secure a better annual percentage rate (APR) while they pay down debt. It works by taking all your high-interest debt and consolidating it onto one low-rate credit card.

Balance Transfers: Fall in Love with a Low-Rate Card

Did a sweet opening bonus cause you to overlook a sky-high credit card interest rate? If so, you may have found yourself with a sizeable chunk of debt and unable to catch up.

Tackle Holiday Debt with a Balance Transfer

The holidays are over, but the credit card debt remains for many. In fact, four in 10 U.S. adults report willing to go into debt – or deeper debt – for holiday shopping.1 Your balance payoff strategy will have to include more than a crackling fire and hot chocolate this winter.