Want to apply for a TDECU Mastercard®?
Enjoy low rates and great benefits when you become a TDECU credit card holder. Apply today and once approved, you can initiate your balance transfer.
Say goodbye to high-interest rates
Need relief from your high-interest rate credit cards and personal loans? Managing your debt is easy when you transfer your balances to your TDECU credit card. A TDECU balance transfer is a great way to simplify your payments and save on interest. Plus, you can enjoy the following perks:
- 0% introductory APR for 12 months on transferred balances when you submit your transfer request within 30 days of opening your account1
- $0 Balance Transfer fee
- No annual fee on all TDECU credit cards
What types of balances can I transfer?
You will not be able to transfer a balance from another TDECU credit card or loan.
Which TDECU credit cards are eligible for balance transfers?
Can I transfer my TDECU balances to a TDECU credit card?
Unfortunately, no. We only accept loan and credit card balances from other financial institutions.
How long after receiving my TDECU credit card do I have to initiate a balance transfer?
How can I request a balance transfer?
The most efficient way to request a balance transfer, is to submit a balance transfer request online, through Digital Banking. Learn more about making an online balance transfer request with this TDECU blog.
Alternatively, you can call us at (866) 820-3867, or you can visit your local Member Center.
Can I transfer the balance of more than one credit card or personal loan to my TDECU credit card?
Yes! Simply submit a request for each credit card or loan you would like to transfer.
How are my payments applied after I transfer a balance to my TDECU credit card?
How long does it take for my balances to transfer to my TDECU credit card?
If your lender can accept the balance transfer request via ACH (automated clearing house), your balances should appear on your TDECU credit card within 7 to 10 business days. If your lender does not accept ACH, then a check will be issued. This process may take up to 30 days.
What happens if I do not pay off my balance within the 0% APR introductory1 period?
However, after the introductory offer term, you will have to pay interest on the remaining balance. Make sure to read your card’s terms and conditions carefully to understand the change to your APR after the 12-month period.