Credit Card Balance Transfer
Balance transfers may help you save money.
Bring your credit card balances to a low-rate DuPage Credit Union credit card and you could save money.
Already a member? Complete this short balance transfer form.
Which balance transfer credit card is right for you?
DuPage Imagine Rewards®
0% intro APR1skip to disclosure for 12 months on balance transfers made within the first 90 days with a 3% balance transfer fee. Then, a variable 19.49% to 27.49% APR.
Transfer $1,500+ in balances within the first 90 days and earn 1 point for every qualifying dollar transferred.2skip to disclosure
0% intro APR3skip to disclosure for 12 months on purchases made within the first 90 days. Then, a variable 19.49% to 27.49% APR.
2 points on gas and electric vehicle charging; 2 points on dining; 5 points on charitable giving; 1 point on everything else
No annual fee
DuPage Thrive®
0% intro APR4skip to disclosure for 12 months on balances transferred within the first 90 days with a 3% balance transfer fee. Then, a variable 15.75% to 23.75% APR.
None
0% intro APR5skip to disclosure for 12 months on purchases made within the first 90 days. Then, a variable 15.75% to 23.75% APR.
Does not earn points or cash back.
No annual fee
Balance Transfer Benefits
Credit card balance transfers allow you to transfer your credit card balances from other financial institutions to a lower rate DuPage Credit Union credit card. Here are some reasons why a balance transfer may be a smart money move:
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Pay down debt faster. With lower interest or no interest payments, you'll be able to pay off your balances more quickly.
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Pay less interest. Transfer balances to a DuPage Credit Union credit card and you could save money on interest charges.
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Consolidate payments. Bring over balances from multiple credit cards to simplify your life with one low monthly payment and one due date.
Balance Transfer Calculator
Use this balance transfer calculator to estimate how much money you can save by consolidating your credit card debt into one low monthly payment.
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Get Help with Balance Transfers
There are two ways you can transfer your credit card balances to a low-rate DuPage Credit Union credit card:
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- Through Digital Banking. To transfer your balances through Digital Banking, log in to Digital Banking and select Manage Cards > My Cards. Hover over your card and click the “Manage card” button. Then, click “Balance Transfer” and follow the prompts to submit the balance transfer request.
or - With a Balance Transfer Form. Fill out this short Balance Transfer Form to get started.
- Through Digital Banking. To transfer your balances through Digital Banking, log in to Digital Banking and select Manage Cards > My Cards. Hover over your card and click the “Manage card” button. Then, click “Balance Transfer” and follow the prompts to submit the balance transfer request.
No, there is no fee for eligible balance transfers made from June 15, 2024 to August 27, 2024.
Yes. You can transfer balances from any credit cards, personal loans, auto loans or home equity loans from lenders other than DuPage Credit Union, as well as gas cards, retail and department store cards.
How do I find the payment address for my other financial institution? Dropdown, press enter to open.
Check your most recent credit card statement from your outside financial institution.
Learn More About Balance Transfers
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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APR = Annual Percentage Rate. Rate based on creditworthiness and card type. Refer to Truth-In-Lending Terms and Conditions Disclosures (DuPage Inspire® Cash Back Signature, DuPage Imagine Rewards®, DuPage Thrive®, DuPage Canvas®) for details. No annual fee, balance transfer fees or foreign transaction fees. Cash advances have a fee of either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee). Must have a credit union membership established and be in good standing.
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Some restrictions may apply.
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The Contactless Indicator mark, consisting of four graduating arcs, and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.
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Imagine Rewards 0% for 12 months on balance transfers posted within the first 90 days of account opening. After that, a variable 19.49% to 27.49% APR applies based on your creditworthiness. Balance transfers on or after the 91st day of account opening will be subject to the 19.49% to 27.49% variable APR. The APR will vary with the market based on the Prime Rate. 0% intro APR balance transfer fee of either $5 or 3%, whichever is greater, will be applied to each balance transfer requested within the first 90 days of account opening. After that, none. Balances currently held with DuPage Credit Union do not qualify for the introductory balance transfer rate.
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Transfer $1,500 or more in balances within the first 90 days and earn 1 point for every dollar transferred to your DuPage Imagine® Rewards credit card. Balances transferred from an existing DuPage Credit Union credit card do not qualify to earn points.
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0% intro APR for 12 months on all net purchases, excluding cash advances, posted within the first 90 days of account opening. After that, a variable 19.49% to 27.49% APR applies based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
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Thrive 0% for 12 months on balance transfers posted within the first 90 days of account opening. After that, a variable 15.75% to 23.75% APR applies based on your creditworthiness. Balance transfers on or after the 91st day of account opening will be subject to the 15.75% to 23.75% variable APR. The APR will vary with the market based on the Prime Rate. 0% intro APR balance transfer fee of either $5 or 3%, whichever is greater, will be applied to each balance transfer requested within the first 90 days of account opening. After that, none. Balances currently held with DuPage Credit Union do not qualify for the introductory balance transfer rate.
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0% intro APR for 12 months on all net purchases, excluding cash advances, posted within the first 90 days of account opening. After that, a variable 15.75% to 23.75% APR applies based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
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