Credit card debt weighing you down? For a limited time, transfer your higher-rate balances to your EdFed Rewards Visa Credit Card to lower your interest rate, reduce your debt, and save money.
You can move balances from higher-rate credit cards and benefit from:
| • | A special balance transfer rate as low as 2.99% APR1 for six months (After six months, the APR ranges from 13.75% to 18.00% APR) | | • | $0 in balance transfer fees2 | | • | Same everyday low rate for both purchases and cash advances | | • | One manageable monthly payment at a low rate |
Transfer your higher-rate balances in three easy steps:
| 1. | Log in to EdFed 24/SEVEN and transfer funds from your EdFed Rewards Visa Credit Card to your EdFed checking or savings account | | 2. | Write a check, make a withdrawal, or set up an automatic payment to pay off your higher-rate balances | | 3. | Start enjoying lower rates and savings back in your pocket with EdFed's everyday great low rates and outstanding card benefits |
Need to increase your limit to consolidate your existing balances? Apply for an increase today online or contact our Lending Center at 305-273-LOAN (5626) before this exciting offer ends on March 31.
Bring on the savings and get started with your balance transfer today!
1 APR = Annual Percentage Rate. All loans are subject to approval and are granted based on individual creditworthiness, ability to repay and credit score. The Introductory APRs range from 2.99%–13.75% for 6 months/183 days from account opening, based on creditworthiness, on all cash advances and balance transfers to new and existing EdFed Visa Rewards Credit Card cardholders during the promotional period. To receive the discounted rate on cash advances and transferred balances, new credit card applications must be received by 03/31/2026 and the transfer(s) and cash advances on EdFed Visa credit cards must take place between 01/02/2026 and 04/18/2026. Cash Advances and transferred balances will accrue interest at the introductory rate for 183 days from the card opening date or 01/02/2026, whichever is later. After 183 days from the card opening date or 01/02/2026, whichever is later, the rate will adjust to the standard cash advance and balance transfer rate, currently 13.75% APR to 18.00% APR, and are subject to change. The APR is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. Membership eligibility applies
2 As of 10/28/2025, Annual Percentage Rate (APR) ranges from 13.75% to 18.00%. The APR will vary with the market based on the Prime Rate. Eligibility for the lowest rate and loan approval are based on creditworthiness, the ability to repay, and your credit score. |
