Holiday balances? Transfer now, it's easy!

There's never been a better time to transfer high-interest balances to your SMW Financial Credit Union Credit Card. You will receive a 0% APR* on balance transfers made from January 1 through March 31, 2024. Your balances transferred during that time will remain at the 0% APR through your statement ending October, 2024. After that, your rate will revert to your standard Retail/Purchase APR**.

New Cardholders

Apply Now 

 

Existing Cardholders

Already have our VISA Credit Card?  For fastest service, login to online banking, click on your Credit Card account, then click Account Services and select New Balance Transfer.  Submit the required info, and your balance transfer is in process!

Login to Online Banking

 

Otherwise, you can fill out our Balance Transfer E-Form by clicking below.

Balance Transfer E-Form

Have your credit card statement that you will be paying off handy when filling out these forms to ensure prompt processing.

 

*APR = Annual Percentage Rate. We will begin charging interest on the transaction date in accordance to your standard terms. Your account must be in good standing and the financial institution reserves the right to return any item on accounts if your account is either in default, you have exceeded your credit limit, or if the item you wish us to pay would cause the outstanding balance in your account to exceed your credit limit. You will not be eligible for a grace period on new purchases as long as any promotional balance is outstanding. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied per your card payment allocation previously disclosed in your account terms.

**Interest & Fee Information

Promotional Rate 0% Annual Percentage Rate (APR).
Promotional Period Balance transfers must be made between January 1 and March 31, 2024. The promotional APR of 0% will remain through your statement ending October, 2024. After that your rate will revert to your standard Retail/Purchase APR.
Transaction Fee 3.0%
Paying Interest We will begin charging interest on the transaction date in accordance to your standard terms.

 

 

Details
  • No annual fee
  • Two reward options:
    • Cash back: 1% cash back on purchases (net), shown on monthly statement, credited quarterly.
    • Platinum Rewards Bonus Points: one point earned for every $1 spent (net) redeemable for merchandise and travel
  • Annual percentage rate (APR) for purchases: 12.99% to 18.00% when you open your account (based on your creditworthiness)
  • Annual percentage rate for cash advances: 18.00%
  • 0% liability for fraud
  • Credit limit of $300 to $25,000
  • Low minimum monthly payments — only 2% of balance or $10, whichever is greater
  • 25-day interest-free grace period on new purchases
  • 24-hour access to your account online or over the phone (for inquiries and payments)
  • Make payments easily and automatically

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