Would you like to ring in the new year knowing you have a handle on your debt with the ability to pay it down faster than you thought possible? Consolidating your existing credit card debt onto our low-interest VacationLand Visa® card is the first step in the right direction. By transferring your high-interest balance from any other major credit card or merchant card, you will start saving interest dollars today!

Investopedia, the world’s leading source of financial content on the web, explains: “Moving outstanding debt on one credit card to a new card is the definition of a balance transfer. Balance transfers are generally used by those who want to move the amount they owe on a credit card to a significantly lower promotional interest rate credit card with better benefits like a rewards program to earn cash back or points for everyday spending. Because everyone’s needs are different, some consumers need lower interest rates so they don’t drown in debt, while consumers who pay off the balance every month might be more interested in the perks.”

To qualify for VacationLand’s extraordinary offer, you have to be our customer in good standing and have a substantial credit score. Also, balance transfers may not be used to pay down an existing VLFCU Visa. If you do qualify, start paying the balance down during the 18-month introductory period with our annual percentage rate of 2.49% and start saving some serious cash!

In summary, with our special balance transfer promotion, you can move your balances from other high-interest credit cards to our low-interest VacationLand Visa, save money, pay off debt faster, and start the new year off on the right foot. You can even transfer balances from merchant and retailer cards such as Kohl’s or Old Navy! Plus:

  • No balance transfer fees
  • No cash advance fees
  • 2.49% introductory APR for 18 months1
  • 9.15% – 18% APR after promotional period
  • Upload to your digital wallet for improved security2
  • Open a Visa Rewards credit card to earn points for cash back, merchandise, gift cards, and more!

Hurry, this offer ends February 28, 2021! Call us today at 800-691-9299 to get started, download the application here,  or even apply online. You can get all the details this program offers by visiting our website or reading our winter 2020 Your Quarterly Connection newsletter.

The new year is the perfect time to introduce the “new” you. If you keep only one New Year’s resolution in 2021, we encourage you to take control of credit card debt. We hope this special Credit Card Balance Transfer Special will ring your bell, long after the jing-a-ling of those silver bells has faded. As you plan to usher in the new year, may you be happy the whole year through.


1 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 other offer or discounts. “APR”= Annual Percentage Rate. Promotional rate of 2.49% APR applies for eighteen months after you transfer a balance. Offer valid from December 1, 2020 to February 28, 2021. 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 18.00%. Foreign transaction fee up to 1% of each transaction amount applies to purchase made outside of the U.S. Subject to change or cancellation without notice.

2 Standard data rates from your mobile service provider may apply.