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Visa® Balance Transfer


Our Visa® balance transfer is the answer.

Shape up your budget by transferring high-rate balances from bank and retail store credit cards.

The New Year is the perfect time to kick off a healthier plan for your money. Start by transferring your high-rate balances to our ALEC Visa® cards. You can pay off holiday purchases and other expenses at our special low rate:

  • 1.95% APR* on balance transfers made from January 1, 2017 through March 31, 2017.
  • Enjoy this special low rate for 12 months after the balance is transferred.
  • Pay no balance transfer fee.

Same great rate for new and current cardholders.

Our 1.95% APR balance transfer is available on the ALEC Select™ Visa®, the ALEC Select™ Rewards Visa® and the ALEC Visa Signature® Rewards cards. Already a cardholder? Simply transfer balances from non-ALEC credit cards. Not a cardholder yet? Apply for the ALEC Visa card tailored to your preferences for a low rate, cash back or travel rewards.


*APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/1/2017 through 3/31/2017. Remaining promotional balances on the first statement after March 2018 will revert to the following: ALEC Rewards Visa will automatically revert to the respective standard fixed rate, based on the cardholder's creditworthiness at account opening. ALEC Select, Select Rewards and Visa Signature will automatically revert to the standard variable card rate, based on the card selected and the cardholder's creditworthiness at account opening. The variable card rates are determined by adding a margin to the Prime Rate. Prime Rate is "prime" as listed in the "Money Rates" section of The Wall Street Journal from the last business day of the previous quarter. Rates subject to change at any time. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa cards are not eligible to be transferred to a new ALEC Visa account and receive the promotional rate.