Credit Card Balance Transfer Special

3.99% Introductory APR for the first 15 months

11.90% – 18.00%APR after promotion ends

Earn 10,000 ScoreCard Rewards Points when you transfer a balance over $5,000

  • No balance transfer fees!
  • No cash advance fees!
  • Consolidate merchant and major credit card debt!
  • Offer ends February 28, 2023!

Stop by any of our five branches, contact us online at or call 800.691.9299 to request one today.

Download Promotional Flyer

Membership eligibility is required with a minimum deposit of $25.00 in a Share/Savings Account. Member must be in good standing with VLFCU. No promotions are eligible with any offer or discounts. APR=Annual Percentage Rate. Promotional rate of 3.99% APR applies for fifteen months after you transfer a balance. Offer valid from January 1, 2023 through February 28, 2023. Balance transfers may not be used to pay down an existing VLFCU Visa. After the promotional period ends, the APR will be (Prime + 5.90 to 17.90% as published in the Wall Street Journal), based upon your creditworthiness. APR may vary but will not exceed 18%. Scorecard Rewards Bonus Points are only available on select Visa Cards. Foreign Transaction fee up to 1% of each transaction amount applies to purchase made outside of the U.S., regardless of whether you are located inside or outside the United States at the time of the transaction. Subject to change or cancellation without notice.