Financial Freedom Starts Here! 

Transfer your balance to an SMW Visa & Save! 



Offer includes:

  • New and Existing cardholders - Intro APR* of 0.00% on balance transfers** made by March 31, 2023, for 18 months

  • New Cardholders only -  0.00% for nine months on new purchases from account opening (new cards only)

(After promotional period, 12.99%–18.00% APR,* based on credit history of borrower)

  • No annual fee
  • 25-day grace period on purchases
  • 1% cash back or ScoreCard® Rewards

**A 3% transfer fee applies ($5 minimum). These offers are only available for a limited time, and you must complete your transactions by March 31, 2023, to qualify.

So click below – and get ready to make your bottom line shine!


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.



*0% Promotional Annual Percentage Rate (APR) effective as of date of first balance transfer and applies to subsequent transfers through March 31, 2023. 0% APR also applies to new purchases for nine months from account opening. An APR between 12.99% and 18.00%, based on your credit, will apply to all other transactions and any transfer amount remaining at the end of the promotional period. This promotional offer expires on March 31, 2023. The transferred balance will be at 0% for 18 months through the promotional period. Multiple transfers permitted up to your credit limit. Interest begins to accrue on transfers on the next payment date. Minimum credit limit is $500. Eligibility is based on credit union membership requirements, proof of income and underwriting standards. Contact the credit union for details. Equal Opportunity Lender.