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Visa® Balance Transfer

Visa Balance Transfer

Turn holiday bills into a bargain by transferring balances from high-rate credit cards.


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Turn holiday bills into a bargain with lower monthly payments.

Why pay high rates on your holiday purchases and other expenses? Save on what you owe for 12 months. Simply transfer your balances from other credit cards to an ALEC Visa® card to receive:

  • 1.95% APR* on balance transfers made from January 1 through February 28, 2019
  • Special low rate for 12 months after the balance is transferred
  • No balance transfer fee

Minimum transfer is $25.00. This special opportunity is available on our ALEC Select™ Visa®, ALEC Select Rewards™ Visa® and ALEC Visa® Signature Rewards cards. 

Already an ALEC Visa cardholder? It's easy to 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.

To transfer your balance to an ALEC Visa card, visit any ALEC Service Center or call 800.762.9988. To apply for an ALEC Visa card, you can also go online to alecu.org, visit any Service Center or use the ALEC Mobile App.


*APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/1/2019 through 2/28/2019. Remaining promotional balances on the first statement after March 2020 will automatically revert to: for fixed rate card, the standard fixed rate based on the cardholder's creditworthiness at account opening; for variable rate cards, 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. Standard variable rate are between 10.20% and 21.20% APR.