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Balance Transfer Offer

Special 2.99% APR* Balance Transfer Offer

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Stop paying higher interest rates and finance charges on credit card balances you may have elsewhere. Instead, save with 2.99% APR* for 12 months on balance transfers to your card February 1 through April 30, 2023. Lower your interest payments and consolidate balances on other higher rate cards with no balance transfer fee!

  • 2.99% APR on transferred balances for 12 months to your Ideal CU Visa Credit Card. Requesting the transfer is easy using Ideal Digital Banking!
  • No balance transfer fees February 1 through April 30, 2023
  • Plus, extra savings over time if your balances elsewhere held a higher rate than your current Ideal Visa Credit Card rate of 2.99% APR*

It's easy to start saving on interest charges!

For the quickest processing, request your balance transfer online using Ideal Digital Banking:

On mobile:

  1. Log into Ideal CU App
  2. Click on More
  3. Click on Tools and select Card Management
  4. Click on the card you wish to manage
  5. From the options list, click on Balance Transfer
  6. Follow the on-screen instructions to complete your request

On desktop:

  1. Log into Ideal Digital Banking
  2. Click on Tools in the menu and select Card Management
  3. Click on the card you wish to manage
  4. From the options list, click on Balance Transfer
  5. Follow the on-screen instructions to complete your request

Otherwise you may request your balance transfer by calling 1-866-820-3867.

See Terms & Conditions for full details.

Don't have an Ideal Visa Credit Card?

Now is the perfect time to apply for an Ideal Visa Credit Card. Learn more and apply to get started saving and earning more during our 2.99% Balance Transfer Special.

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Terms & Conditions

*APR = Annual Percentage Rate

Special rates are valid only for balance transfers of $25 or more from other credit card companies, financial institutions, or department store credit cards. You must complete the balance transfer by April 30, 2023 for the promotional APR to apply. Any balance transfers processed after the promotional period will incur finance charges at your card's standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. Balance transfers are treated as and considered cash advances on your credit card and will begin to accrue finance charges from the date it is posted to your account. No grace period on cash advances and balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. It may take up to three (3) weeks to post the balance transfer transaction. You should continue to make all required payments until you confirm that the balance transfer was made. Ideal Credit Union will not be responsible for any finance charges or late fees incurred due to your nonpayment. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly.

Ideal CU Blue Rewards Variable APR ranges from 13.40% - 17.99% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35. See full card disclosure.

Ideal CU Gold fixed APR ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35. See full card disclosure.