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Take Control of Your Credit Card Debt

Are you ready to break free from high-interest credit card debt? Take advantage of our balance transfer offer and move towards financial freedom.
CALCULATE YOUR SAVINGS

Why Transfer Your Balance to Us?

A balance transfer could help you:

  • Save on Interest: Move higher-interest credit card balances to a Georgia United Visa® Credit Card with a lower rate. New cardholders can take advantage of a 1.99% introductory APR* on purchases and balance transfers for 6 months, then a variable APR of 11.74%–22.99%.
  • Get Breathing Room: With less going toward interest, more of your payments could go toward paying down your balance.
  • Keep More of What You Earn: Enjoy no annual fee* and lower monthly payments.
Explore Credit Cards Rates & Fees

How It Works

  • Get Started: Already have a Georgia United Visa Credit Card? You can request a balance transfer through Online Banking. New to Georgia United? Apply for a card to get started. 
  • Transfer Your Balance: Login to Online Banking, select 'Services', then 'Balance Transfer' and follow the prompts. A fee of 3% (minimum $10) will be applied to each balance transfered.
  • Make Progress: Keep making payments and work toward paying down your balance and achieving your financial goals. 
Transfer a balance

We Are more than a bank

About Georgia United

Our mission is to serve with a purpose to enrich the lives of our 150,000+ members, team members and surrounding communities. We not only offer rewarding and affordable products to our members, we also reinvest into our community through philanthropic initiatives that help them thrive.

What Our Members Say

“
The interest rate on my credit card is great and I always get friendly professional help when I need it.
- Carlyn K.
“
Same services as any bank at a lower cost. They also try to work with the customer to improve their credit and offer them a lower interest rate credit card.
- Chiquita J.

Start The Online Application.

Apply Now

*Introductory 1.99% Annual Percentage Rate (APR) is available on purchases and balance transfers for 6 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 10/27/26, rates are 11.74% to 22.99% for the Platinum Visa Credit Card and 13.74% 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.