Enjoy Less Stress, More Relief With 3.99% Balance Transfers! 

Feeling stressed about high-rate credit card debt? Relief is in sight when you transfer those balances to your MECU World Rewards Mastercard® or Platinum Mastercard® at an amazing 3.99% APR* with NO BALANCE TRANSFER FEES!

You'll save money by consolidating your bills into one affordable monthly payment. And unlike most credit card issuers that charge a fee of 3%-5% of the amount transferred, MECU does NOT charge a fee for balance transfers. The 3.99% promotional rate is valid on all balance transfers to an MECU World Rewards Mastercard or Platinum Mastercard that take place from April 1 through September 30, 2025, and is valid for 365 days from the first qualifying transaction. After that, the rate will revert to the current effective rate on your card. 

It's easy to get started. Simply click on the Balance Transfer button under your credit card account within Digital Banking, or contact the Loan Department at any MECU branch office. Be sure to let us know if you need to request a credit limit increase to cover your balance transfer amount. 

* Annual Percentage Rate. The 3.99% promotional rate is valid on all balance transfers to an MECU World Rewards Mastercard or Platinum Mastercard that take place from 4/1/25 to 9/30/25 and is valid for 365 days from the first qualifying transaction. After that, the rate will revert to the current effective rate on your card. Balance transfers are processed for the amount requested, or up to your available credit limit. Payments to your transferring account should be made until the account is confirmed paid in full. Michigan Educational Credit Union takes no responsibility for additional finance charges, fees and transactions posting to your transferring account. This offer applies only to accounts in good standing. This offer cannot be used to pay off existing MECU loans.