Transfer a Balance to Your OAS FCU Credit Card
Lighten your load — and what you pay in interest.
Move your high-interest balances from other U.S. credit cards or loans to your OAS FCU Visa Credit Card and enjoy an introductory 2.25% APR for 12 months,1 with no balance transfer fees.2
Many balance transfer offers charge a transfer fee upfront. With OAS FCU, there’s no balance transfer fee — so more of your payment can go toward reducing your balance.
Why Transfer Your Balance?
A balance transfer lets you move debt from one or more credit cards to another card — ideally one with a lower rate — so you can simplify payments and save by paying less interest.
But here’s what many don’t realize:
0% isn’t always free
Most 0% balance transfer offers charge a balance transfer fee between 3% and 5%, which can cost more than a year of low interest.
Our 2.25% APR offer has no transfer fees2
A smarter, more economical option for steady, long-term savings.
Consolidate and simplify
Managing one monthly payment helps you stay organized and pay down your balance faster.
Example:3
- Transferring $5,000 to a “0% APR” card with a 3% fee costs $150 upfront.
- Transferring the same $5,000 to your OAS FCU card at 2.25% APR for 12 months1 costs about $56 in interest — and $0 in fees.2
- That’s nearly $100 saved right away.
Important Information
- Balance transfers are subject to your available credit limit and cannot include existing OAS FCU credit card balances.
- If your OAS FCU card is new, transfers are available after you activate the new card.
- Interest begins to accrue immediately on transferred balances (no grace period).
- After 12 months, any remaining balance will revert to your card’s standard APR.4
Make a Smart Move for Your Wallet
It’s time to simplify your finances and pay less in interest.
Transfer your balance today, enjoy 12 months at an introductory 2.25% APR,1 and start saving from the very first day.
OAS FCU offers a balance transfer program for its Visa credit cards, featuring a special introductory rate of 2.25% APR for the first 12 months1 with no transfer fees.2
Introductory APR
You will get a low rate of 2.25% APR for 12 months1 on all balance transfers.
No Transfer Fees
Unlike many promotional offers, OAS FCU does not charge a balance transfer fee.2
Variable Rate
After the 12-month introductory period, the rate on any remaining balance reverts to your standard variable card rate.1,4
Eligibility
The offer is available to OAS FCU members in good standing5 who have a Visa Credit Card with the credit union.
How to complete a balance transfer
Access online banking:
Log in to your OAS FCU online banking.
Navigate to credit card services:
In the "Other Accounts" section, select "Manage my credit card".
Go to balance transfer:
You will navigate to the MyCardinfo page. Choose "Account Services" and then click "Balance Transfer".
Fill out the form:
Provide the necessary information for the balance transfer, including the account and card number of the creditor you are paying off.
Important Considerations
New Cardholders
If you are a new OAS FCU credit card holder, you must receive and activate your new card before you can request a balance transfer.
No Grace Period
A finance charge will be applied from the date the transfer is posted to your OAS FCU account, as there is no grace period on balance transfers.
Disclosures
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Introductory Annual Percentage Rate (APR) of 2.25% for balance transfers applies to transactions posted to your account during the 12 months following the transfer. Interest charges on your account are calculated separately for purchases, balance transfers, and cash advances. Interest on purchases and cash advances is your standard variable APR based on your creditworthiness and the Prime Rate, as disclosed in your Consumer Credit Card Agreement. After the introductory period, balance transfers are subject to your standard variable APR; current standard variable APRs are available on our Rates page. We may end your introductory APR for balance transfers and apply your standard variable APR if you are 60 days late in making a payment. Membership eligibility required.
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OAS FCU does not charge a balance transfer fee; however, other fees associated with your card may apply as described in your Consumer Credit Card Agreement.
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The cost comparison example is for illustration only and does not guarantee individual savings. Actual costs depend on your creditworthiness, repayment behavior, and card terms.
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Balance transfers do not have a grace period; interest begins accruing on the posting date. After the introductory APR period, any remaining balance will be subject to your standard variable APR as stated above and disclosed in your Consumer Credit Card Agreement. The standard variable APR differs by card type (Classic or Platinum). Current standard variable APRs are available on our Rates page.
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A member in good standing is a member whose conduct has not resulted in a loss to the Credit Union. Additional eligibility requirements may apply depending on the specific product or service.