When it comes to credit card programs and balance transfer offers, the options are endless… but not always good.

Think Ahead

Balance transfers to your OAS FCU VISA Credit Cards not only will cost you less during the first year, they will also save you money over time!

0%

Does 0% mean FREE? Not always!

Some cards say 0% APR on balances transferred for 1 year, but then charge you a 3% transfer fee.

We say 2.25% APR on balances transferred for 1 year, with a 0% transfer fee.

Let’s do the Math

Consider a $5,000 balance transfer example.

	Balance Transfer APR*	Balance Transfer Fee	The cost you pay
Others	0%	3%	$ 150.00
OAS FCU	2.25%	0%	$ 60.96

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Don’t overlook other rates and charges.

	*APR After Promotion Ends (starting at)**	Cash Advance APR*	Foreign Transaction Fee
Others	15.37%¹	Up to 25.00%²	3.00%
OAS FCU	8.99%	8.99%	1.50%

. Don’t waste money. Act now!

Don’t waste money. Act now!

If you wish to transfer the balance from one or more US-financial institution credit cards to your OAS FCU Visa, just give us the card(s) info, including the current balance to be transferred**.

Don’t have an OAS FCU Visa credit card yet?

Apply for our Visa Classic or Platinum Cards and discover the benefits of being an OAS FCU Visa Card holder.
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* APR means Annual Percentage Rate. The 8.99% APR listed is the basic rate for Visa Classic, and the basic rate for Visa Platinum is 10.99% APR; based on your payment ability and credit history your rate may be higher, but never above 17.99% for Visa Classic and 15.99% for Visa Platinum. OAS FCU’s Visa credit card rates are variable and may change without notice.
** You must be a member in good standing for the past 6 months to request balance transfers, and you must have the amount of the transfer available to use on your card, or request a credit limit increase, which will require a credit evaluation. After the 12 month-period of this offer ends, the rate on the remaining balance will become the standard rate on your card.
¹ Source: Value Penguin at https://www.valuepenguin.com/average-credit-card-interest-rates
² Source: Value Penguin at https://www.valuepenguin.com/what-is-credit-card-cash-advance


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