Reduce your debt

Get a 6.9% APR balance transfer!*

Are you paying more than 6.9% APR on your non-STCU loans or credit cards? If yes, you may be paying too much.

Unlike banks that hike your balance transfer rate after a few months, our 6.9% APR is good for the life of your transferred balance. And there is no balance transfer fee.

Start your balance transfer now.

Print, complete, and sign the balance transfer form:

Or visit any of our 15 branch locations.

Get moving!

By transferring your balances to an STCU Visa, you can rest easy that your rate will never exceed 6.9% APR on those transferred balances.

Reduce interest rate on debt to 6.9% APR.
Transfer any non-STCU loan or credit card balance.
No balance transfer fee.
Offer ends June 30, 2012.
Sooner you act, the sooner you start saving money.

A better deal for you

Even without a balance transfer, STCU Visa credit cards are a better deal than most other credit cards. Interest rates on new credit cards nationwide are at a record high, averaging 14.94% APR, according to CreditCards.com, a leading online provider of credit card research (based on a Sept. 1, 2011, survey of the nation's 100 most popular credit cards.)

STCU rates, however, rarely change and are as low as 8.9% APR (details below) – lower than the national average charged by banks and major credit card issuers.

STCU is also kindhearted when it comes to late payments: We don't raise our interest rate after a payment deadline has been missed like most other credit card companies do.

Join us!

It's easy to join STCU online. If you live, work, worship, or go to school in Washington or Kootenai or Bonner counties, Idaho, you can join STCU, the No. 1 not-for-profit credit union in the Inland Northwest.

Resources

*Terms and disclosures

*APR = annual percentage rate. The 6.9% APR promotional rate applies only to non-STCU loan and credit card balance transfers to an STCU Visa credit card account made between September 19, 2011, and June 30, 2012. Subject to credit approval; if approved, you may transfer balances in amounts up to your approved credit limit. There is no balance transfer fee during the promotion period. Any balance transfer after the promotion will be subject to 13.9% APR and our standard transfer fee. That's why it's smart to make your transfers now!

STCU's low rate for purchases are: Visa Platinum 8.9% APR; Visa Gold 10.9% APR; Visa Classic 13.9% APR. All cash advances, 13.9% APR. There is no annual fee on the Gold and Platinum cards, and if you sign up for electronic statements, there is no annual fee on the Classic card, either. A one-time $20 membership fee is required when you join STCU.

Questions about how to transfer your account balances and get this great rate? Please call (509) 326-1954 in Washington, (208) 619-4000 in Idaho, or toll-free at (800) 858-3750 during regular business hours. Or use LiveChat right now to message an STCU Member Service Representative.