Rose.
Putting her first since 2002.

Balance Transfers

Transfer balances with no fees

No balance transfer fees, no annual fees, and a low interest rate. Transferring a balance to an SF Fire Credit Union credit card can help you save.

Why Transfer to an SF Fire Platinum Visa?

$0
Low
$0

Transfer and Save

Looking to pay off a high-interest credit card?  SF Fire Credit Union credit cards have an APR as low as 12.25%*. And with no balance transfer fees, you’ll start saving right away, especially if you can pay more than the minimum payment each month.

Easy Online Process

Transferring balances to a lower rate card can be a great way to save on interest. And you can submit your request at any time. Click Balance Transfer in Online & Mobile Banking to get started.

You can also request a Balance Transfer when you call, chat, or visit us in the branch. 

Three Reasons for Balance Transfers

Transferring a balance from another credit card to your SF Fire CU Platinum Visa® helps you save money in several ways.

No Balance Transfer Fees

Where other cards might charge you fees such as 3% of the total transfer or a flat $5 or $10, there are no fees for balance transfers to your card with us.

Low Interest Rate

With an APR starting as low as 12.25%*, you'll be able to save a lot on interest every month and over time as you pay down the balance. 

Please note that there is no grace period on interest for balance transfers; you will begin to accrue interest on the transferred balance right away.

No Annual Fee

No need to pay an annual fee to use your own line of credit. 

SF Fire Comparison Table
  SF Fire Platinum Visa Credit Card Bank of America Cash Rewards Card
APR
SF Fire Credit Union
12.25%*
Bank of America
16.99%1 after any introductory rates
Balance Transfer Fee
SF Fire Credit Union
$0
Bank of America
$10 or 3%
Annual Fee
SF Fire Credit Union
$0
Bank of America
$0
Cash Advance Fee
SF Fire Credit Union
$0
Bank of America
$10 or 3%
Foreign Transaction Fee
SF Fire Credit Union
$0
Bank of America
3% US dollar amount

The card that works for you

Our Platinum Visa card not only offers a strong balance transfer option for you, but also a free and updated Credit Card Rewards program and other Visa Benefits such as a Warranty Manager program and an Auto Rental Collision Waiver. You can also use it as a fee-free source of Overdraft Protection for your SF Fire CU checking account.

*SF Fire Credit Union Visa is a variable rate product. Rates as low as 12.25% as of 06/13/2023. Actual terms depend on the applicant's creditworthiness. All loans subject to credit approval. Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 12.25% is the Credit Union's floor rate and 18.00% is the ceiling rate. All terms and conditions of the VISA Agreement and Disclosure Statement apply, including monthly minimum payment requirements.

Balance transfers do not qualify for rewards points. Balance transfer requests are dependent on available credit.

1. 16.99% APR starts after introductory period of 0% APR for the first 18 Statement Closing Dates

Rate and Fee info for Bank of America as of 11/3/2022

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Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
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Come home to where the Bay Area banks

Join the best credit union in San Francisco. We put our members first, not profits. Let us help you achieve your goals.

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Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
Jeanne, marathoner and coach. Putting her first since 2007.
FREE CHECKING

Checking you can count on

We offer the Bay Area's best checking account – easy, free, and with no minimum balance or monthly fee.

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Jeanne, marathoner and coach. Putting her first since 2007.

Let's Talk

As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM

 

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Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM

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