1st University Credit Union Balance Transfer
Pay confidently with your 1st University Credit Union Platinum Mastercard

Why pay more interest than you have to?

If you’re carrying a balance on another credit card, moving it to a 1st University Credit Union Platinum Mastercard® could help you reduce what you’re paying in interest.

Move your balance for $0

There’s no balance transfer fee, and you can get an introductory balance transfer rate as low as:

4.50% APR

for 6 months*

That’s a big difference from the 22.15% average APR currently charged on credit card accounts that are assessed interest.1

What could a lower rate mean?

Consider a $2,500 balance:

At 22.15% APR Approx. $277 in interest
At 4.50% APR Approx. $56 in interest
Potential difference $221

That’s approximately $221 that could stay in your pocket instead of going toward interest.2

And remember, with 1st UCU, you’ll pay $0 to transfer the balance.

Apply for a Platinum Mastercard®

And there’s more to like.

Our Low Rate Platinum Mastercard® also features:

  • 0.00% APR introductory rate on purchases for 6 months*
  • Standard fixed APR of 8.90%–18.00% after the introductory period, based on creditworthiness*
  • $0 annual fee
  • Apple Pay, Google Pay and Samsung Pay compatibility
  • Venmo compatibility
  • eAlerts and card controls in the 1st UCU mobile app
  • Mastercard® benefits including Zero Fraud Liability and ID Theft Protection

Already have a 1st UCU Platinum Mastercard®?
Contact us and we’ll help you get started with a balance transfer.

*Introductory balance transfer APR is as low as 4.50% for six months. Introductory purchase APR is 0.00% for six months. After the applicable introductory period, the standard fixed APR of 8.90%–18.00% applies based on creditworthiness. Other terms and conditions may apply.

1 Federal Reserve, Consumer Credit G.19, August 2026. Average APR for commercial bank credit card accounts assessed interest: 22.15%.

2 Illustration assumes a constant $2,500 balance for six months and uses a simplified APR calculation for comparison purposes. Actual interest charges will vary based on payments, transaction timing, account activity, billing cycles and other factors.