DCU Routing Number: 211391825
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9.99%¹ promotional APR for a limited time
Making a no-fee¹ balance transfer could help you minimize your debt significantly.
Exclusive offer for existing DCU Visa® cardholders.
Take advantage of 9.99% promotional APR1 (through your statement ending in November) when making a no-fee1 balance transfer between 1/1 – 2/28/2025. After that, your standard variable Balance Transfer APR applies, based on card type and creditworthiness, currently 12.75-18.00% APR.2
What are the benefits of a DCU balance transfer?
A no-fee1 balance transfer from DCU could help you save hundreds on interest by paying down your debt even faster. When you transfer your balance from any higher-rate card to your DCU Visa Credit Card, you’ll start saving instantly.
On average, credit cards from retail stores (Best Buy, Target, Walmart, Kohl's, Apple, etc.) charge an interest rate of over 30%. So if you’re carrying a credit card from a department store, wholesale club, or other financial institution – chances are you’re paying a higher interest rate than your DCU Visa® Credit Card. Keeping a balance on these high-rate cards can cost you a fortune.
Making a transfer is easy - here's how:
- Log into your Digital Banking account.
- Select Accounts, Click Credit Cards under YOUR ACCOUNTS to display your DCU VISA Credit Cards and click the credit card account you wish to transfer a balance to.
- On Desktop, select Manage and go to Balance Transfer in the dropdown. In the Mobile App, scroll down to Account Services, then select Balance Transfer.
- Choose your DCU Visa account and continue on to enter the amount that you’re transferring along with the card issuer information, verify the information and we’ll take care of the rest!
After submission, you'll receive a notification confirming if your balance transfer was successful.
Once your balance transfer is complete, you'll see the requested amount added immediately to the balance of your DCU Visa account. This will show up as a Cash Advance on your monthly statement. After the transfer, be sure to keep an eye on the account that you are paying off. While most transfers will happen in a matter of a few business days, others may take longer depending on how the card issuer processes its payments.
Disclosures
19.99% APR applies only to non-DCU credit card balances transferred through DCU’s online balance transfer tool completed between 1/1/25 and 11:59pm ET on 2/28/25. Balance Transfers must be paid in full by the end of your November 2025 billing cycle on either November 10 or November 20, as reflected on your monthly statement, or interest will begin to accrue on the remaining balance at your standard balance transfer APR and will continue to accrue each day the balance remains on your DCU Platinum and/or Signature Cash Rewards credit card accounts. Minimum transfer requirement is $100. 9.99% APR is not eligible on other types of cash advances or purchases made during the promotional period. Account must remain in good standing throughout promotional period for promotional rate to continue. You should continue to make all required payments to the other credit card account(s) until you confirm the balance transfer(s) was made and the payment(s) reflects as a credit. Offer valid only for cardholders as of 12/31/2024. Offer not valid for DCU Visa Business Platinum or Business Visa Platinum Plus.
2APRs (Annual Percentage Rates) are as of 1/21/2025. Our current Visa Platinum APR ranges from 12.75-18.00%, Visa Signature Cash Rewards APR ranges from 15.50–18.00% and Visa Platinum Secured APR ranges from 16.00-18.00%. Your APR is based on your personal credit history at account opening. APRs are variable, tied to the Prime Rate, and can change monthly after the account is opened. Maximum APR is 18.00%. Your current APR is available on your monthly Visa statement as well as in Online and Mobile Banking. For more information, refer to DCU's VISA Credit Card Agreement for Consumers.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
