Balance Transfer

Trade stress for savings. For a limited time, take advantage of our special balance transfer offer.

Save more with your Georgia's Own Visa® credit card

In honor of Georgia’s Own Credit Union’s 90th anniversary, receive a special balance transfer rate on your Visa Signature®, Platinum, or Student Visa credit card.

  • Get 9.00% APR1 for 9 months on credit card balance transfers made through July 31st
  • Standard variable rate of 19.24% or 21.24% applies after promotional period ends
  • Balance transfer fee of 3% ($10 minimum)

Opening a new card? Balance transfers must be made within 60 days of account opening.

To take advantage of this balance transfer offer, give us a call or start a transfer in online banking.

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1APR = Annual Percentage Rate. For qualified members. Promotional rate valid for 9 months from date of balance transfer on any balance transfer made to a qualified Georgia’s Own new or existing Visa Signature®, Platinum or Student Visa credit card between April 1, 2024 and July 31, 2024. On new cards, balance transfers must be made within 60 days of account opening. Classic, Secured, and Business cards are excluded from this offer. To receive the promotional rate, the minimum balance transfer amount must be $500 or more. Promotional APR for Signature, Platinum and Student Visa cards is 9.00%. After that, your APR for transfers will revert to your standard variable APR of 21.24% for Visa Signature; 19.24% for Visa Platinum; 19.24% for Student Visa. APR will vary based on Prime Rate. The maximum rate and penalty rate is 29.99% APR for Signature, Platinum, and Student Visa credit cards. Balance transfer fee is 3% of the balance transfer or $10 minimum, whichever is greater. Cash advance fee is 3% of advance amount. Foreign transaction fee is 2% of each multiple currency transaction. We will not process any balance transfer requests that are from any account or loan issued by Georgia’s Own. To benefit from a grace period and avoid additional interest on purchases, you must pay your balance in full by payment due date. This includes any promotional balance transfers.