Transfer your high-cost balances and save!

Lower your cost of debt. Consolidate your loans in one place.

Keep more money for yourself when you transfer your high-cost credit card and loan balances held at other financial institutions to an STCU Mastercard® credit card.

Transfer balances to your
existing STCU Mastercard

  • Get 0% promo APR for 6 months! (Based on member eligibility).
  • After promo rate, remaining balance rate will be 7.99%-17.99% APR.
  • No balance transfer fee!*
  • Offer good January 1 March 31, 2018.

Transfer balances to your
new STCU Mastercard

  • Apply for new (nonrewards) STCU Mastercard. 
  • 1.90% intro APR on balance transfers for 12 months. After intro rate ends, remaining balance will be 7.99%-17.99% APR.
  • No balance transfer fee!* 
  • STCU membership fee waived when you join online.

*No annual fee! Foreign transaction fee is 2% of the U.S. dollar amount; cash advance fee is $5 or 3% of each cash advance, whichever is greater. See complete fees and disclosures.  

Start your transfer now!

If you already have an STCU MasterCard, log into online banking to transfer your high-cost balances. Click "Self-service" and "Transfer card balances."

You also are welcome to transfer your balances with the help of STCU by visiting any branch locationmessaging us, or calling (509) 326-1954 in Washington, (208) 619-4000 in Idaho, or toll-free at (800) 858-3750 during regular business hours.


Already own an STCU rewards card?

Click here for balance transfers to rewards cards.

Want to open a new STCU Mastercard?

Your new STCU MasterCard gets 0% intro APR on all purchases during the first seven billing cycles (at least six months). After the intro period, purchases will be 7.99%-17.99% APR, depending on your creditworthiness.

Low, fixed rate for purchases

Your STCU Mastercard isn't just for balance transfers. This card offers one of the lowest everyday purchase rates around from 7.99% to 17.99% APR depending on your creditworthiness making it easier to manage your monthly bill.

Apply today!

Not a member of STCU? Don't worry. Once we receive your credit card application, an STCU member service representative will contact you to complete your membership to STCU. The $10 membership fee is waived when you join online.

More about STCU membership


Chat with an STCU member service representative, call (800) 858-3750, or visit your nearest STCU branch location.