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Balance Transfer Terms & Conditions

‡ APR=Annual Percentage Rate. Promotional rate is available for balance transfers made August 24, 2020 through December 31, 2020. Balance transfers will be processed as cash transactions and will incur finance charges immediately. Balance transfers cannot be used to pay other Christian Community Credit Union-issued credit card or loan balances. Rewards points not awarded for transferred balances.

Balance transfer options: Cardholders may select either option per balance transfer request.

  • 5.9% APR Balance Transfer for 12 Months with No Fees
    The 5.9% APR balance transfer rate is good through a 12-month billing period from time of transfer. After 12 months, unpaid balances revert to your variable card rate, 10.90% to 16.90%, based on your creditworthiness. No transaction fees associated with balance transfer offer. A balance transfer fee of 2% or a minimum of $5.00 applies following the end of the promotional period.
  • 3.9% APR Balance Transfer for Six Months with 2% Fee
    The 3.9% APR balance transfer rate is good through a six-month billing period from time of transfer. After six months, unpaid balances revert to your variable card rate, 10.90% to 16.90%, based on your creditworthiness. A balance transfer fee of 2% or a minimum of $5.00 applies.

The variable annual percentage rate you pay is based on periodic review of your account and credit history. This is a variable rate account and it will vary with the market based on the Prime rate. Please refer to your credit card disclosure and agreement.

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