What does that even mean? When you take advantage of the Homeland CU Visa® balance transfer promotion your balance is locked in at the promotional rate of 3.50% APR* FOR THE LIFE of the balance transfer.


Example- Emily came into the credit union and transferred the balance from her big box credit card to a Homeland CU Visa®. Now her $3,000 balance is locked at the 3.50% APR* rate for the life of the balance she transferred. If it takes Emily five months or five years to pay off the transferred balance, it will be locked in at 3.50% until the balance is paid in full.


Do you have a high-interest credit card that you'd like to lower the rate on? Stop by Homeland Credit Union or visit our website before the end of April to apply for our balance transfer promotion. Complete disclaimer listed below.


*APR = Annual Percentage Rate
Come by any branch location, call 740-775-3331, or visit https://www.homelandcu.com/resources/online-forms/balance-transfer-form.  The balance transfer process can take up to a week to 10 days. You need to continue to make your normal payments on all your credit card accounts until the transferred amount appears as a payment on those credit card statements. HCU is not responsible for any additional charges or fees assessed by your other credit card account(s), or for payments that are late or lost in the mail. HCU is not able to close your other credit card accounts; you must contact those issuers directly. You may transfer balances from other non-HCU credit cards up to your established credit limit. The balance transfer promotional offer begins February 1, 2022 and is available until April 30, 2022. The APR will be 3.50% and the monthly Periodic rate of FINANCE CHARGE will be .029167% on your average daily balance of the amount for the life of the transfer(s). Balances transferred may increase your minimum payment due. (The minimum payment will be either 3% of your total New Balance or $10.00, whichever is greater.) Balance transfers are treated as cash advances and will accrue finance charges from the date that advance was disbursed. Payments will be applied to all other balances prior to applying to this promotional balance. Balance transfers are not eligible for ScoreCard® Rewards Points and may not be used to pay other HCU accounts. Accounts that are or become 60 days past due will not qualify for this promotion and will have any remaining promotional balances migrate to standard terms. All terms and conditions outlined in the Credit Card Agreement apply. HCU reserves the right to decline any balance transfer request.