Balance Transfers

Discover the Power

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    12 MONTH TERM

    Keep Your Savings Coming Until 2024.

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    NO BALANCE TRANSFER FEE

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

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    RATES AS LOW AS 4.99% APR

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

Featured

Credit Cards

Get low fees, security, perks, benefits, and more with one of iQ's featured credit cards.
  • New Credit Card Applicants

    COMPETITIVE RATES

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

    LOW TO 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

  • 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.

Calculator

Use our helpful tools to help guide your financial decisions

Transfer

Ready to Transfer your Balance? 

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Disclosures

  • Promotional Balance Transfer APRs are between 4.99% and 16.99% based on creditworthiness and card type. After 12-month promotion period (for balance transfer and/or purchase), the APR varies, based on creditworthiness and card type, between 11.49% and 22.49%. Rates Effective as of December 25, 2022 and vary with WSJ Prime Rate. No balance transfer fee. Visa Signature Card has a $49 annual fee. Visa Platinum and Visa Platinum Rewards cash advance fee is $5 or 2% of the cash advance amount, whichever is greater, and a 1% of U.S. Dollar equivalent foreign transaction/merchant fee. Limited-time promotional rate available for new balance transfers only and for non-iQ loans and may be discontinued at any time but no earlier than March 18, 2023. Balance transfers are not eligible for any credit card rewards. Terms subject to change without notice. Promotion does not apply to business credit cards.

  • *APR= Annual Percentage Rate.

    *All credit card approvals are subject to qualifications for iQ membership and based on an assessment of individual creditworthiness and our underwriting standards. Programs, rates, terms, and conditions are subject to change at any time without notice.

    The current Wall Street Journal prime index rate is 7.50%. 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.