Credit Cards :: Unilever Federal Credit Union

Enjoy No Balance Transfer Fees & Low Rates

Visa® Credit Cards

Balance Transfer

Why pay more?
Transfer your balances from other high-rate credit cards, personal, student or auto loans to your UFCU Visa® Card and you’ll be paying less interest.

And you’re not limited to just one transfer – you can transfer over any number of balances up to your available credit limit.

Balance Transfer 3.25% APR* for 12 billing cycles, for your initial balance transfer. Subsequent balance transfers will be at your current LOW card interest rate.

No annual or balance transfer fee
Up to $20,000 credit limit
Consolidate up to three debts or accounts

Keep the savings going, after the intro balance transfer offer and enjoy LOW APR interest rates, as low as:
7.75% APR** UFCU Visa® Gold or
9.75% APR** UFCU Visa® Platinum Rewards
Click here to learn more about our credit card program

What types of account can you transfer?
Essentially, you can transfer almost anything with a balance as long as your credit line is sufficient enough to cover the balance:

Credit cards, store cards
Personal loans, auto loans
Student loans

Balance Transfers always Active
As long as you do not exceed your card limit and your card account is in good standing, you can request additional balance transfers. Subsequent balance transfers will be at your current LOW APR rate.

Here’s what you’ll need for a balance transfer
Have the following ready before accessing the form:

Copy of most recent credit card statement (please attached a PDF version statement)
We only need the first full page of the statement showing the coupon slip with the payment mailing information
Provide the full credit card number
Amount to be transfer
Complete the Adobe document below. Our team will walk you through the process.

How long does a balance transfer take?
The process might take 2-4 business days. Please continue making payments on your current card until your transfer is reflected on your creditors statement. We will pay off your balance(s) electronically or mail a paper check. Monitor activity on your old card for 1-2 months for any accrued interest or unexpected charges.

Got Questions? We’ve got answers!
Send us an email: angelica.calderon@unilever.com or give us a call at 203-816-4069.

Balance transfers may not exceed your Visa credit limit.
Balance transfers may not be used to payoff or pay down amounts you owe on your UFCU credit card or loan.

Please note that it may take up to 2 weeks for your creditor to apply payment. Please continue making payments until your transfer is complete and reflected on your creditors statement.

Checks will be issued directly to the creditor(s) or pay online. The credit union is not responsible for payments which are late or lost in the mail.

Information accurate as of 05/08/2024
* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index. It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit limits over $10,000 require a minimum 760 FICO credit score.

UFCU Visa® Gold
Balance Transfer– **3.25% Introductory APR applies to the first 12 billing cycles for your initial balance transfer, After that, your APR will be 7.75% to 13.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Subsequent balance transfers will be at your current card interest rate.

UFCU Visa® Platinum Rewards
Balance Transfer – **3.25% Introductory APR applies to the first 12 billing cycles. for your initial balance transfer, After that, your APR will be 9.75% to 14.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Subsequent balance transfers will be at your current card interest rate.

The combined total of all unsecured loans including a VISA Credit Card, cannot exceed $20,000.00 for any member.

Expenses	Monthly Points and $	Annual Points
Groceries	$600	7200
Dining/Entertaiment	$300	3600
Utilities	$300	3600
Phone/Internet	$300	3600
Gas	$200	2400
Auto Insurance	$200	2400
Total Annual Points		22,800

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