Check out this example using a $4,000 balance and $100 monthly payments!


When you open a new Liberty FCU credit card account, you’ll also enjoy:

Plus rates as low as 11.50% APR and friendly, local service!

It’s even easier to transfer your high-interest debt!

Simply upload a photo of your credit card statement and the available information will be filled in.

Apply now in less than 5 minutes
Or, apply for a Prime Plus card!


Frequently Asked Questions

How do I request a balance transfer?

When you are applying for a new credit card, you will have balance transfer options available during the application process. You can also complete this online form, contact our Lending Call Center at (800) 800-9271, Option 1, or visit any Liberty FCU location!

What information do I need to transfer a balance?

The information needed to transfer a balance can be found on a recent statement of the account from which you are transferring. Please be prepared to provide the following to make the process as smooth as possible:

  • Liberty FCU credit card number
  • Card issuer name
  • Card issuer payment address
  • Amount to transfer
  • Issuer account number
  • Card issuer phone number

How long does it take for a balance transfer to be processed?

Balance transfers can take up to three weeks to complete. It’s important to continue monitoring and making payments on your other card account(s) until you confirm the balance transfer is complete.

If I transfer a balance from another credit card, will you automatically close that card?

No, it is up to you to close the account(s) from which you transfer a balance, if you choose.

How is interest calculated on balance transfers?

Interest paid on a balance transfer is calculated from the date of the balance transfer, much like a cash advance. This means even if you pay in full, you may see interest owed for your balance transfer if you are outside of the six-month introductory period.

1Source: Comparison chart courtesy of Credit Karma Debt Repayment Calculator. Liberty FCU example includes six months at 0% APR, which is applicable to balance transfers on new cards only. Liberty FCU rate accurate as of 06/27/2024. Competitor rates effective 06/27/2024.
20% APR applicable to balance transfers for the first six months the credit card accounts is open. 1.99% introductory APR for the first six billing cycles. Annual Percentage Rate may vary. If you are charged interest, the charge will be no less than $1. APR for purchases and balance transfers will be 11.50% to 18.00% APR after introductory period based on creditworthiness. Cash advance fee will be 11.50% to 18.00% APR. All Annual Percentage Rate will vary with the market based on the Prime Rate. All payoff calculations assume there are no additional charges, cash advances, balance transfers, or other transactions that would increase the credit card balance.
The double points category may exclude Walmart, Sam’s Club, Target, and other discount stores. Balance transfers earn rewards points subject to Liberty FCU discretion. Click here to view our Consumer Credit Card Agreement and a comprehensive list of rates and fees.