Balance Transfers

Savings, simplified

Non-Members Apply Here
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Balance Transfers

iQ's balance transfers give you more time and more money in your pocket to help pay off your balances. 

  • Money-Calendar

    12 MONTH TERM

    Keep Your Savings Coming Until 2024.

  • no-fee

    NO BALANCE TRANSFER FEE

    So you can put more of your money toward paying down a balance.

  • percentage

    RATES AS LOW AS 1.99% APR*

    More of your payment goes to pay the original balance with lower rates.

Transfer

Ready to Transfer your Balance? 

Product Comparison Table

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    New Credit Card Applicants

    COMPETITIVE RATES

    Our low rates mean you will be saving on new purchases as well.

    NO ANNUAL FEES

    No hefty fee means paying down your balances even faster

    A CARD FOR EVERY NEED

    Whether you are looking for cash-back or rewards, we have a card for you.

    New Credit Card Applicants Apply Now
  • cut

    Existing iQ Credit Card Holders

    RESTORE FINANCIAL PEACE OF MIND

    Get relief from high-rate credit card debt.

    EFFORTLESS TRANSFER

    You already have the card, requesting a transfer is quick and easy.

    Existing iQ Card Holders Apply Now

Calculator

Use our helpful tools to help guide your financial decisions

Disclosures

Balance Transfer: Promotional APRs are between 1.99% to 13.99% based on creditworthiness. After 12-month promotional  period ends, rates will revert to the then-current APR (currently 12.49-23.49% as of 11/16/2023, based on credit worthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional rate available for new balance transfers only, non-iQ loans only, and may  be discontinued at any time, but no later than February 24, 2024. Visa Platinum and Visa Platinum Rewards cash advance fee is $5 or 2%  of the cash advance amount, whichever is greater. Visa Platinum and Visa Platinum Rewards have a 1% of U.S. Dollar equivalent transaction  fee for all transactions processed through a foreign merchant (including phone or online purchases). Balance transfers not eligible for any  type of credit card rewards. Terms subject to change without notice

*APR= Annual Percentage Rate.

The current Wall Street Journal prime index rate is 8.50%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here.  | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.