Credit Card Balance Transfers
= Big Savings

Balance transfers are a great option for:

Paying down balances

from other higher interest credit cards or loans

Consolidating payments

from multiple balances to make a 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. A 0% APR offer on a credit card can save 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 offers a 12-month balance transfer special at 0% APR—this can ultimately save you money if you pay down your balance before the promotional rate expires.


The DECU VISA Credit Card comes with some great benefits:

  • Big savings with our 0% APR Balance Transfer Special for 12-months
  • 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 from 11.90%-17.90%APR after promo period
  • 0%APR special for 12 months
  • No annual fee

Capital One Platinum

27 . 49%

variable rates

  • Rates variable at 27.49%APR after promo period
  • No annual fee

Chase Slate Edge

18 . 74%

rates starting at

  • Rates range from 18.74%–27.49%APR after promo period
  • No annual fee

Citi Diamond Preferred

17 . 24%

rates starting at

  • Rates variable at 17.24%-27.99%APR after promo period
  • No annual 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. There is a 4% Balance Transfer Fee. 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 January 25, 2023. Current DECU VISA® balances are not eligible.  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.

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

Federally Insured by NCUA. 

Visit Downeast Credit Union at www.downeastcu.com