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Trade Your High Rate Balance for a High Rate Experience

Transfer your high rate credit card balances to a Georgia United Visa® Credit Card. With a balance transfer, you could lower your monthly payments and simplify multiple bills into one easy payment.

  • Easy to apply
  • Low Introductory Rate
  • $0 Balance Transfer Fee
  • No Annual Fee**

See if a Balance Transfer is Right for You

All Georgia United Credit Cards Come With Great Benefits

Cash Back Visa Signature® Card

  • Earn Unlimited 1.5% Cash Back*. Receive cash back on all of your purchases with no exclusions.
  • Low Introductory Rate. 1.99% intro APR** on purchases and balance transfers for 12 months, then a variable rate APR of 9.99% to 22.99%.
  • No Annual Fee**
  • No Balance Transfer Fee
  • Visa Signature® Card Benefits

Platinum Visa® Credit Card

  • Low Introductory Rate. 1.99% intro APR** on purchases and balance transfers for 12 months, then a variable rate APR of 7.99% to 22.99%.
  • No Annual Fee**
  • No Balance Transfer Fee

Request a Balance Transfer

Once you've opened your card, transferring your balance is a breeze. Log in to Online Banking and under the 'Transfers and Payments' drop-down, select 'Credit Card Balance Transfer' to submit your request. You can also contact our Member Care Center at 888.493.4328 or visit a branch location

I've been with Georgia United for many years and have availed myself of various opportunities (loans in particular). Regardless of who I've dealt with, I've always been extremely pleased with the service and product. Georgia United has superior rates and very very competent personnel. Why would I go elsewhere for my financial needs? The answer is, "I wouldn't."
- Linda J.
Super easy and fast. Applied for the loan and turn around was immediate.
- John O.
Professional Service! Good rates! My loan officer was given three p's! Prompt, professional, and personable.
- Jerry D.
I have been a satisfied member for over 10 years. All my family are members of Georgia United and I have also recommended friends to become members of Georgia United, due to ease and low interest rates for auto loans, home loans, and personal loans.
- Jacqueline R.
We have been going through you guys for almost 10 years and multiple loans always been a good process.
- Matthew L.

Start The Online Application.

*Purchases do not include returned items for credit, balance transfers, cash advances and interest. There is no limit to the amount of cash back you can earn, if your account is open and in good standing. Cash back received will be automatically deposited into your Savings (Share) Account each month.  

**Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 12 billing cycles. Balance transfers must occur within the first three billing cycles of account opening to qualify for the introductory rate. Balance transfers incur interest charges from the transaction date. After introductory period, your APR on purchases and balance transfers will be a variable rate and may change based on Prime Rate, as of 04/27/20, rates are 7.99% to 22.99% for the Platinum Visa Credit Card and 9.99% to 22.99% for the Cash Back Visa Signature Card. Qualified rates vary based on credit history and underwriting factors. Not all applicants will qualify. To avoid paying interest on purchases, you must pay the entire balance by the due date, including transferred balances under this promotion. For other fees that may apply, call 888.493.4328 or see our credit card disclosure

All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.