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Credit Card Balance Transfers

Credit Card Balance Transfers

Transfer existing balances to a new TDECU Mastercard® and save with 0% APR1

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Want to apply for a TDECU Mastercard®?

Enjoy low rates and great benefits when you become a TDECU credit card holder. Apply today and once approved, you can initiate your balance transfer.

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Say goodbye to high-interest rates

Need relief from your high-interest rate credit cards and personal loans? Managing your debt is easy when you transfer your balances to your TDECU credit card. A TDECU balance transfer is a great way to simplify your payments and save on interest. Plus, you can enjoy the following perks:

  • 0% introductory APR for 12 months on transferred balances when you submit your transfer request within 30 days of opening your account1
  • $0 Balance Transfer fee
  • No annual fee on all TDECU credit cards

Why should you choose TDECU for a balance transfer?

Take control of your finances by transferring your balances to a TDECU Mastercard®.

Consolidate debt

Consolidate debt

Simplify your payments

Simplify your payments

Pay down balances at a lower interest rate

Pay down balances at a lower interest rate

Avoid paying higher interest charges

Avoid paying higher interest charges

Transfer your balance to a TDECU credit card.

Log in to Digital Banking to begin!
Transfer Your Balance

TDECU Balance Transfer Frequently Asked Questions

What types of balances can I transfer?
You can transfer balances from other credit cards (including Visa®, Mastercard®, and retail credit cards) and personal loans.

You will not be able to transfer a balance from another TDECU credit card or loan.

Which TDECU credit cards are eligible for balance transfers?

You can transfer balances to our Buc-ee’s Mastercard®, Platinum Mastercard®, Classic Mastercard®, Onyx Mastercard® and our Business Platinum Mastercard®.

Can I transfer my TDECU balances to a TDECU credit card?

Unfortunately, no. We only accept loan and credit card balances from other financial institutions.

How long after receiving my TDECU credit card do I have to initiate a balance transfer?
TDECU credit card holders may initiate a balance transfer at any time. However, to receive the 0% introductory APR on transferred balances, you must submit your request within 30 days of opening your account.1

How can I request a balance transfer?

The most efficient way to request a balance transfer, is to submit a balance transfer request online, through Digital Banking. Learn more about making an online balance transfer request with this TDECU blog.

Alternatively, you can call us at (866) 820-3867, or you can visit your local Member Center. 

Can I transfer the balance of more than one credit card or personal loan to my TDECU credit card?

Yes! Simply submit a request for each credit card or loan you would like to transfer.

How are my payments applied after I transfer a balance to my TDECU credit card?
We will apply your payments first to any outstanding finance charges, interest or other fees first, then to your principal balance with the highest APR.1

How long does it take for my balances to transfer to my TDECU credit card?

If your lender can accept the balance transfer request via ACH (automated clearing house), your balances should appear on your TDECU credit card within 7 to 10 business days. If your lender does not accept ACH, then a check will be issued. This process may take up to 30 days.

What happens if I do not pay off my balance within the 0% APR introductory1 period?
One of the benefits of transferring an existing balance to a TDECU credit card is our 0% APR introductory offer. This means you won’t have to pay interest on transferred balances for 12 months.1

However, after the introductory offer term, you will have to pay interest on the remaining balance. Make sure to read your card’s terms and conditions carefully to understand the change to your APR after the 12-month period.

Ready to simplify your payments and save on interest?

Contact us today to start your balance transfer request.

1APR = Annual Percentage Rate. Terms of this offer may change at any time. Offer only applied to balance transfer requests received by us within 30 days of account opening. Members that apply for a new TDECU credit card will be granted the APR disclosed at the time of credit card account approval for future purchases. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. Balance transfers cannot be used for paying on existing TDECU credit card or loan balances.

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