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Get Rid of High Credit Card Interest with a Balance Transfer

01/10/2025

Get Rid of High Credit Card Interest with a Balance Transfer

Need ways to save money and take control of your finances in 2025? A balance transfer could be the solution. Let’s explore how.

What is a Balance Transfer?


A balance transfer lets you move debt from one credit card to another, often with a lower introductory interest rate. Be sure to review the full terms, including any fees and when the promotional rate ends, to determine if it’s the right option for you. This can help you save on interest – but it’s not always as great as it seems.

Limited Time Offer: 1.99% APR Until 20261


For a limited time, we’re offering 1.99% APR on balance transfers until 20261. This exclusive rate can help you save even more and manage your debt efficiently.

Watch Out for Hidden Costs

Fees Add Up

Some balance transfer offers come with fees, either a flat rate or a percentage of the amount you’re transferring. This upfront cost can chip away at your savings. Our balance transfer has no annual, transfer, or cash advance fees1,2.

Is a Balance Transfer Right for You?


Before committing, speak with a member of our team to answer all of your questions. If you’re relying on balance transfers to manage financial trouble, it may not be the best long-term solution. We want to make sure we explore the options that help you achieve financial success.

Other Options: Personal Loans & HELOCs


Consider consolidating debt with a personal loan. It’s another optoin that might save you more in the long run.

Another great option is a Home Equity Line of Credit (HELOC)3. With a HELOC, you can tap into your home’s equity to consolidate debt. This flexible solution allows you to borrow as needed, making it a practical choice for ongoing expenses.

We’re Here to Help


Thinking about a balance transfer? Let us help you weigh the pros and cons. Apply online or reach out to us on familytrust.org using the chat feature to hear from us during business hours. If you still have questions, give us a call at 803-367-4100 or stop by a branch. We’re thrilled to help you with the best options for your financial goals.

1. Between 01/01/2025 and 03/31/2025, your Annual Percentage Rate (APR) for balance transfers and cash advances will be 1.99%, and will remain at this promotional rate until 12/31/2025.??On 01/01/2026, the unpaid balance of any promotional rate balance transfers and cash advances will revert to the variable APR in force in your credit card agreement, and existing fixed rate credit cards will revert back to the fixed rate in force in your credit card agreement.?Only applies to balance transfers from other financial institutions and cash advances made during this “promotional period,” which may not exceed your approved credit limit. Qualifying cash advance transactions include those processed using an ATM, PIN or digital banking. The promotional APR does not apply to purchases, transactions processed as a credit through the Visa network or transactions made after 03/31/2025. We may end your promotional APR and apply the prevailing APR if you are 60 days late in making payments.??Must be 18 to apply.   As of 1/1/2025, the variable Annual Percentage Rate (APR) for credit cards ranges from 13.20% - 17.90%. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The variable Annual Percentage Rate in force on your account will be assigned when issued and disclosed in your credit card agreement. The APR will change with the market based on the Prime Rate and is subject to change without notice. For complete terms and conditions, visit www.familytrust.org or call 803-367-4100 to speak with a Lending Consultant.  Additional terms, conditions and exclusions apply.

2. Interest begins to accrue on balance transfers and cash advances from the transaction date. These transactions are subject to the APR outlined in your credit card agreement.

3. Must be 18 to apply. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. The APR for a Home Equity Line of Credit (HELOC) is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin of up to 6.25%. As Prime changes, the APR on your account will change. The APR will not go below 3.25% or exceed 18.00%. A HELOC is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. The minimum line of credit amount is $10,000. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply. Other restrictions may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

NMLS Identifier Number: 493819 

Equal Housing Lender

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