Credit Card Balance Transfer
Balance transfers may help you save money.
Bring your credit card debt to a low-rate DuPage Credit Union credit card and you could save money.
Transfer Through Online Banking
To transfer your balances through Online Banking, log in and select the credit card. Then, click on the Balance Transfer icon to get started.
Why transfer your balances?
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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 hundreds 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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Our best balance transfer offers for new cardholders
DuPage Imagine Rewards®
Low intro offers on balance transfers and purchases. Earns rewards points.
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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 16.75% to 24.75% APR.
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0% intro APR2skip to disclosure for 12 months on purchases made within the first 90 days. Then, a variable 16.75% to 24.75% APR.
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2 points on gas purchases and restaurants, 5 points on charitable donations, 1 point on everything else
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Earn 10,000 bonus points when you spend $3,000 in the first 90 days3skip to disclosure
DuPage Thrive®
Low intro offers on balance transfers and purchases
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0% intro APR4skip to disclosure for 12 months on balances transfers made within the first 90 days with a 3% balance transfer fee. Then, a variable 14.75% to 22.75% APR.
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0% intro APR5skip to disclosure for 12 months on purchases made within the first 90 days. Then, a variable 14.75% to 22.75% APR.
Get help with balance transfers
A balance transfer is the transfer of debt from one account to another at a different financial institution.
Convenience checks are used just like any other check; however, funds written from these checks will go towards your credit card balance. You can use them to:
- Transfer balances from high rate credit cards to your DuPage Credit Union credit card.
- Make large purchases such as repairs or any unexpected costs.
- Write yourself a check and deposit the funds into your checking account.
Before you use them, make sure you have enough available credit for the transaction(s), interest, and any related fees.
There are two ways you can transfer your balances:
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- Through Online Banking. To transfer your balances through Online Banking, log in and select the credit card you would like to transfer balances to. Then, click on the Balance Transfer icon to get started.
- With a Balance Transfer Form. Fill out this short Balance Transfer Form to get started.
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.
Take the first step towards paying down debt.
Transfer your high-rate credit card balances to a DuPage Credit Union card.
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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. Must have a credit union membership established and be in good standing.
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Some restrictions may apply.
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Must have a DuPage Credit Union membership established and be in good standing.
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APR = Annual Percentage Rate
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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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APR = Annual Percentage Rate. 4.99% Introductory APR on balance transfers good until 5/27/2024 for balance transfers posted between 12/15/2022 – 2/27/2023. After that, the standard variable APR of 14.75% to 28.75% applies based on your credit card program and creditworthiness. Balance transfers posted after 2/27/2023 will be subject to the 14.75% to 28.75% variable APR based on your credit card program and creditworthiness. Balances transferred from an existing DuPage Credit Union Visa® credit card do not qualify for this offer. Balance transfer requests may not exceed your credit limit. Imagine Rewards and Thrive cards opened within 90 days of the promotional period are not eligible for this offer due to current introductory offer. Cash advances have a fee of either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee). Some restrictions may apply. Terms and conditions apply. Current DuPage Credit Union credit card must be paid up to date and not delinquent. Must have a Credit Union membership established and be in good standing.
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0% intro APR on balance transfers requested within the first 90 days of account opening. The rate will be extended for the next 12 months, thereafter a rate of 16.75% to 24.75% variable APR based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Balance transfers on or after the 91st day of account opening will be subject to the 16.75% to 24.75% variable APR based on creditworthiness. 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. Balances currently held with DuPage Credit Union do not qualify for the introductory balance transfer rate.
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0% intro APR on qualifying purchases posted within the first 90 days of account opening. The rate will be extended for the next 12 months. After that, your APR will be 16.75% to 24.75% variable APR based on creditworthiness. The APR will vary with the market based on the Prime Rate.
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Earn 10,000 points when you charge $3,000 or more to your DuPage Imagine Rewards® credit card within the first 90 days of opening your account.
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0% intro APR on balance transfers requested within the first 90 days of account opening. The rate will be extended for the next 12 months, thereafter a rate of 14.75% to 22.75% variable APR based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Balance transfers on or after the 91st day of account opening will be subject to the 14.75% to 22.75% variable APR based on creditworthiness. 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. Balances currently held with DuPage Credit Union do not qualify for the introductory balance transfer rate.
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0% intro APR on qualifying purchases posted within the first 90 days of account opening. The rate will be extended for the next 12 months. After that, your APR will be 14.75% to 22.75% variable APR based on creditworthiness. The APR will vary with the market based on the Prime Rate.
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