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. 

Transfer and save

  • 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! 

How does your current rate stack up?

Card APR
Visa Signature® As low as 15.99%
Platinum As low as 13.99%
Gold As low as 13.99%
The Classic As low as 12.49%
Classic Secured As low as 18.00%
Business As low as 14.99%

0% APR Introductory Offer

Open a new GECU credit card and lock in a 0% APR for 12 months on purchases and balance transfers made in the first 60 days. After that, the APR will adjust to 12.49 - 18.00% for purchases and balance transfers, based on your creditworthiness.1

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

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. 

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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.

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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. 

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Save money, earn rewards
No matter which card you choose, you can rest assured you're getting the best rate.