Take advantage of our 0%
Balance Transfer Special
from other higher interest credit cards or loans
from multiple accounts to one single monthly payment
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:
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