Transfer Your Balance

Big banks have big fees. We don’t. 

At Ascentra, we’re people helping people. That’s the credit union way. Check out how we serve our members with the Ascentra Visa® Credit Card! You won’t miss that big bank.


  • No Annual Fee
  • No Balance Transfer Fee
  • Low Balance Transfer Rate – 2.99% APR* for the first six months on all balance transfers
  • No Ridiculously High Rates – Rates as low as 9.88% APR* based on your creditworthiness
  • Special Holiday Shopping Rate – 4.90% APR** starting November 1st each year
  • uChoose Rewards

Apply Here

 Ascentra Credit UnionLeading Big Bank
Balance Transfer Fee$0 Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Annual Percentage Rate (APR) 2.99% APR for 6 months. After the first six months per balance transfer, your rate will be 9.88% - 17.88% based on credit worthiness.0.00% introductory rate for 18 months. After that, your APR will be from 16.49% - 24.49% based on credit worthiness. 



Ascentra Credit Card

*APR = Annual Percentage Rate. 2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness. **Holiday Shopping Rate for purchases good through the June billing cycle, after which the rate will return to the standard rate indicated on your statement. Ascentra Visa® Credit Card must be opened by October 31 to qualify for the special Holiday Shopping Rate.