Balance Transfer

  • OK Name(s): is required
  • Optional OK Member #: is required
  • Optional OK SPE Federal Credit Union MasterCard® Credit Card#: is required
  • OK Email Address and/or Phone Number is required
  •  

    By submitting this request, I verify that I am the above-referenced member and I hereby authorize SPE Federal Credit Union to pay the “Amount” indicated to the “Card Issuer” shown by issuing a check and adding the “Amount” to my SPE Federal Credit Union MasterCard® Credit Card Account. I understand that the amount transferred, combined with my current balance, cannot exceed my current credit limit.

    OK I Agree is required

Card Issuer 1

  • OK Card Issuer: is required
  • OK Address: is required
  • OK City: is required
  • OK State: is required
  • OK Zip: is required
  • OK Complete Account #: is required
  • OK Amount to Transfer: $ is required

Card Issuer 2

  • Optional OK Card Issuer: is required
  • Optional OK Address: is required
  • Optional OK City: is required
  • Optional OK State: is required
  • Optional OK Zip: is required
  • Optional OK Complete Account #: is required
  • Optional OK Amount to Transfer: $ is required

Card Issuer 3

  • Optional OK Card Issuer: is required
  • Optional OK Address: is required
  • Optional OK City: is required
  • Optional OK State: is required
  • Optional OK Zip: is required
  • Optional OK Complete Account #: is required
  • Optional OK Amount to Transfer: $ is required

Card Issuer 4

  • Optional OK Card Issuer: is required
  • Optional OK Address: is required
  • Optional OK City: is required
  • Optional OK State: is required
  • Optional OK Zip: is required
  • Optional OK Complete Account #: is required
  • Optional OK Amount to Transfer: $ is required
  •  

    By submitting this application electronically, and clicking “I agree” below, I acknowledge that I have read and accepted the E-sign consent and disclosure and that the credit card accounts I am transferring balances from belong to me.

    OK I Agree is required
  • Today’s Date

    OK Today’s Date is required
  • OK Last 4 Digits of Social Security Number is required
  • Date of birth

    OK Date of birth is required

Interest and Fee Information

     

    APR for Balance Transfers   

    0.00% (Promotional APR on transferred balances for 12 months from the first balance transfer date during the promotional period). After that, your standard rate will apply. Please consult your credit card agreement or contact the credit union for more details.

     

    Use by Date

    The balance transfer(s) must post to your account by 05/01/2017 for the promotional APR and fee to apply.

     

    Fee for Balance Transfers

    3.5% of transferred balance

     

     

    Paying Interest

    We will begin charging interest on the balance transfer(s) on the first day 12 months after the transaction is posted to your account.

     

Terms and Conditions:

    1.  If the transfer information you provide is incomplete, the credit union will not be able to process the transfer request.  Transfers will only be sent to recognized creditors or financial institutions and will not be sent to your home or billing address.

    2.  Please continue to make your minimum required payment until the requested transfer payment appears on that account’s billing statement. The credit union is not responsible for any remaining balance on that account, or for any finance or other charges you incur due to delays in transferring a balance, as payment delays are outside of our control.

    3.  If you transfer an amount for a transaction you dispute, you may lose some or all of your rights against the other creditor.

    4.  While the credit union can pay your accounts directly, the credit union cannot close them for you.  If you wish to close any of the transfer accounts, you must do so yourself.

    5.  Account balance transfers are contingent upon account setup and assigned credit limit.  In some cases the credit union may not be able to process a balance transfer request that pays the entire balance. We may decline to process your request for this offer: if you do not have enough credit available at the time of your offer, if your account is closed; if your payment is past due or if you filed for bankruptcy; and to protect your account when fraud is suspected. This offer cannot be used to pay off other accounts issued by SPE Federal Credit Union.

    6. All balance transfers are considered cash advances on your credit union credit card.  Finance charges begin to accrue on the date of the cash advance.

    For the promotional balance transfer period (February 1, 2017- May 1, 2017), the special rate of 0.00% Annual Percentage Rate will apply to balances transferred from the date of the first transfer for 12-months. After this time, your transferred balances will go back to your normal credit card rate. Please visit www.spefcu.org for current rates. Please see your credit card account information for additional terms and conditions.

Security Code

  • OK is required