Balance Transfer

Transfer your high balance credit cards and step up to savings.

Transfer Your Balance to an Excite Credit Union Credit Card

Save money and transfer your balances from higher interest rate credit cards.

To do a balance transfer, login in to online banking and select Additional Services > Visa Credit Card > Services > Balance Consolidation

 

What You'll Need For Your Balance Transfer:

  • Name and address of the other financial institution (Excite Credit Union Accounts are excuded)
  • Your account number at that financial institution
  • The amount to transfer

Questions About Balance Transfers?

A balance transfer is when you move the balance of one or multiple credit cards or other loans to a new or existing credit card account. It’s a smart way to save money on interest, consolidate payments and pay off credit card debt sooner.

If you’re looking to save on interest, lower your monthly payments, or consolidate payments, it’s worth looking into a balance transfer. This may be a helpful move, allowing you to pay off debt more quickly and take control of your finances.

That depends on a few factors. Applying for a new credit card will result in a hard inquiry on your credit report, which can lower your score temporarily. Adding a new card will affect your overall length of credit history, which could also temporarily lower your score. On the other side, a new card with a new line of credit can reduce your overall credit utilization, positively impacting your score.

Yes. But you should join us. We’re different from the other banks and credit unions because we don’t take ourselves too seriously.

You can easily apply online or stop by an Excite financial center to join in person. Then open any account you want.

★★★★★

I love this Credit Union!!! Best rates, highest payouts for deposits. Nice folks too. I am shifting the entirety of my indebtedness to them because the rates are so good, and I was tired of getting hit with huge interest at the end of every month. 5 stars.

~ Braxton W.

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.