You don’t have to watch your big balances pile up month after month. U First Visa® credit card is the simple way to lower your rate, fee free. Apply for the card that puts U first today and you can get as low as 0% APR1 for the first 6 months.
A balance transfer is a type of credit card transaction in which debt is moved from one account to another. For example, moving the debt on a higher-interest credit card to a lower-interest credit card, which can save you money.
With a U First Visa® credit card, there is no balance transfer fee and 6 month introductory rate applies to balance transfers. Why is that important enough to state twice? Well, the benefits of consolidating debt include:
Multiple payments become one convenient payment
Eliminates higher interest rate debt, saving you money
Reduces the risk of late payments
May improve your credit score
By moving those balances to United, you’ll only have to make one low monthly payment. Reducing your interest rate through consolidation allows you to pay more toward the principal balance each month.
If better terms and a lower rate sound good to you, call us at (888) 982-1400 or stop by a branch and we’ll help you get started.
Prepare for a balance transfer.
Be sure to have these on hand before you contact us:
Copy of most recent credit card statement
Name of payee/credit card
Mailing address of payee
Account or credit card number for payee
Amount of payoff
good to know
A: A cash advance is borrowing "cash" from your credit card. It is a short-term cash loan that you can access at a United branch or ATM. It's like withdrawing money from the ATM with your debit card, except the cash comes from your credit limit rather than your bank account balance. That means you have to pay it back with interest. Cash advances are more risky for a bank or credit union to loan out versus using your credit card to purchase an item. Because of this, cash advances don't have a grace period, meaning interest begins accruing on the balance as soon as the transaction is completed.
A: Cash advance interest is accrued from the date of advancement, regardless of when the advance is paid off, whereas purchase interest is not charged if the purchase is paid off within the statement cycle. Because the way each interest is determined is done differently, they are shown as two separate interest charges on the credit card statement.
A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.
A: Cash advances do not qualify for the promotional lower APR for the first 6 months.
APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.
 Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness;
introductory rate on new purchases and balance transfers is only available for new U First credit cards.  9.24%-18.00% APR; rates may vary. Rate determined by applicant’s creditworthiness.  Subject to program terms and conditions. See the applicable Benefit Guides for more information.  You may transfer any amount, but the total amount of your balance transfer must be less than your available credit limit. Be sure you don’t transfer any disputed purchase or other charge amount because you may lose your dispute rights. You can’t transfer balances from other accounts issued by United Federal Credit Union. There is no grace period on balance transfers or cash advances; a finance charge (based on the account’s current Annual Percentage Rate) will be imposed from the date the transfer is posted to your credit card account.  There is a penalty fee for late payments of $29 for the first occurrence and $40 for each subsequent occurrence and up to $35 penalty fee for returned payments.