New Year’s resolutions are easier to make than to keep. 

Taking a new approach toward money, spending that money wisely, and becoming more financially accountable is a practical resolution anyone can make for this new year. VLFCU’s team is here to help you through the process and help you keep that resolution.

It might surprise you to know that paying off high-interest credit card debt is one of the easiest and most crucial things you can do to improve your financial well-being and help you achieve your financial resolutions. Now that Christmas is over, why not pay off that debt by transferring your balance to our Visa Rewards credit card. From now until February 29, 2024, transferring a balance will have an introductory APR of only 3.99% for the first 18 months, and then only 13.40% to 18.00% thereafter. There are no balance transfer fees or cash advance fees, and Visa Rewards credit cardholders earn bonus points when they transfer a balance of $1,000 or more. 

  • Transfer $1,000 to $10,000 from a high-interest card and earn 10,000 ScoreCard Rewards points.
  • Transfer $10,001 or more and earn 25,000 ScoreCard Rewards points.

ScoreCard Bonus Rewards points are only available on our Rewards Visa Credit Cards. 

Our Rewards Visa Credit Card puts your money to work for you, and rewards can be redeemed for cash, merchandise, gift cards, and more. The Pink Visa Credit Card also earns rewards and helps fund cancer research at the same time. Our Platinum Visa card, which doesn’t offer rewards, has a lower Annual Percentage Rate and could be a better option. With any of our Visa cards, you will have 24/7 online fraud protection and the ability to manage your account online. If we detect any suspicious activity on your card, our fraud monitoring service will contact you by text message or phone call. We’re here for you in person and behind the scenes. Check out our Visa personal credit cards at You will not only discover all the advantages you have with a VLFCU Visa card, but also learn about other benefits, too.  

Our transfer promotion going on right now can help you reduce your monthly payments and allow you to repay your debt while avoiding high interest rates. Paying down your balance during the introductory 3.99% APR period means you could potentially save quite a bit of money. Members must be in good standing with VacationLand, and this promotion cannot be combined with any other offers or discounts. Balance transfers may not be used to pay down an existing VLFCU Visa.

To begin, contact us today at one of our convenient locations in Sandusky, Huron, Vermilion, and Norwalk. Are you interested in joining VLFCU, but are not yet a member? You can conveniently apply for membership online or stop in and see us.  Start 2024 off on the right foot with a repayment plan that leads to debt-free living.