VISA Balance Transfer

Keep more money in your pocket with a Visa Balance Transfer.* 

A balance transfer allows you to move debt from one credit card onto a different credit card to take advantage of a lower interest rate. Essentially, this means that the debt on your old card has been paid by the new card. This could help you save money on your existing credit card debt and/or also help you pay down your credit card debt faster.

The average credit card interest rate is 16.28%**. Worth the move? 


Decided on a balance transfer? Here’s some tips for a successful move.

  • Don’t cancel your old card — this could hurt your credit.
  • Make it a priority to pay on time every month. If you miss a payment, your 0% deal will be canceled and you’ll have to start paying interest right away.
  • Be as disciplined as possible about paying off your debt before the interest-free period is up. Avoid moving your debt to a new card, then charging the old card back up. If you do this, you’ll have negated the benefits of the balance transfer and landed yourself in even more debt.

Still have questions? Talk to a loan officer by calling 716-875-1747 ext. 600.

*APR = Annual Percentage Rate. Offer for new and existing cardholders. As with most balance transfer options, there is a 3% with a $25 minimum for each balance transfer. Members can balance transfer any amount from as many cards or small loans as they choose. The promotional balance transfer rate expires one year from the date of the original balance transfer. Any remaining balance after the promotional period will be at the current purchase rate for your account. Rates and special offers can change at any time without notice.
**Information provided by
***View credit card rates here.