Take advantage of our 0% 

Balance Transfer Special

Credit Card balance transfers are a great option for:

Paying down balances

from other higher interest credit cards or loans

Consolidating payments

from multiple accounts to one single monthly payment

Lowering your rate

on existing balances to help save money on interest

A balance transfer can be an effective way to pay down existing balances at a lower, more manageable rate.


Now, Loyal Members can take advantage of a 0% Balance Transfer special to move your money over from higher interest rate cards to save even more money (a 4% Balance Transfer fee applies to those not qualifying). To earn the 0% loyalty discount, you need to have a DECU checking with at least $1,000 in direct deposit and at least 10 debit card transactions per month. 


Plus, the DECU VISA Credit Card special of 0% APR special for 12-months can save you even more money by having all of your payments go towards knocking down the principal balance instead of some going toward interest charges.


The DECU VISA Credit Card comes with some great benefits:

  • Big savings with our 0% Balance Transfer Special 
  • No interest for 12-months with a 0% introductory offer
  • Rates start at just 11.90% APR* after the promotional period and are non-variable
  • No annual fee
  • Security with Continuous Fraud Monitoring
  • Zero liability on unauthorized charges
  • Debt protection options available
  • Works with Google Pay™, Apple Pay™ and Samsung Pay™
  • Cards can be issued in branch on the same day they are needed
  • Conveniently make payments in real-time through DECU Online & Mobile Banking

Not all credit cards have great rates.

See how a lower-rate DECU card can help you save.

Compare rates after the promo period:

DECU Platinum

11 . 90%

rates starting at

  • Rates range 11.90%-17.90%APR after promo period
  • 0% Intro APR for 12 months
  • No annual fee
  • 0% Balance Transfer Fee**

Capital One Platinum

30 . 74%

variable rates

  • Rates variable at 30.74%APR after promo period
  • 0% Intro APR for 21 months
  • No annual fee
  • 4% Balance Transfer Fee^

Chase Slate Edge

20 . 49%

rates starting at

  • Rates range from 20.49%–29.24%APR after promo period
  • 0% Intro APR for 18 months
  • No annual fee
  • 3% Balance Transfer Fee^

Citi Diamond Preferred

18 . 24%

rates starting at

  • Rates variable at 18.24%- 28.99%APR after promo period
  • 0% Intro APR for 15 months
  • No annual fee
  • 5% Balance Transfer Fee

While balance transfers are typically used for paying off credit card debt, sometimes you can also move other types of debt.

Speak with a Lending Expert to learn more at 800.427.1223.

Learn more about DECU Credit Cards at www.downeastcu.com/lending/credit-card/

Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Must meet membership eligibility requirements. $5 minimum opening share deposit to become a member and $20 minimum to open a checking account.


*Rates are based on an evaluation of applicant credit. Your actual Annual Percentage Rate (APR) will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. 0%APR promotion on balance transfers for 12 billing cycles; after which the APR will revert to the rate you qualify for and are paying on your Downeast Credit Union VISA® Credit Card purchases. Cash Advances accrue a finance charge from the date made. The minimum monthly payment is $20 or 2% of the outstanding balance whichever is greater. Qualifications based upon credit worthiness and our underwriting guidelines. Rates are non-variable and range from 11.90%APR up to 17.90%APR as of October 25, 2023 and may increase or decrease at any time. Current DECU VISA® balances are not eligible.  

**Loyal DECU Members may qualify for a 0% Balance Transfer Fee if they have a DECU checking with at least $1,000/month in direct deposits and 10 debit card transactions/month. Otherwise, the Balance Transfer Fee is 4%; All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Ask for current rates, terms and conditions.


^Transfer fee with Capital One and Chase only apply if you are in a promotional APR. 

See https://www.downeastcu.com/lending/credit-card/ for more information.

Federally Insured by NCUA. 

Visit Downeast Credit Union at www.downeastcu.com