Stop Paying High Interest—Start Saving Today

Transform your debt burden into manageable payments—transfer balances from high-rate cards with zero fees, lock in rates as low as 8.9% APR, and save hundreds or thousands in interest charges.

Transfer My BalanceCalculate My SavingsServing 77,000+ satisfied clients and counting.

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Balance Transfer Benefits

Why Pay More When You Could Pay Less?

Every dollar saved on interest is a dollar toward your goals.

No balance transfer fees

Save 3-5% instantly.

No transfer limits

Upon credit approval.

Fixed rates from 8.9% APR

Predictable payments.

No annual fees

Keep more money in your pocket.

Transfer from AMEX, Discover, or any high-rate card.

Simple Transfer Process

Three Easy Steps to Lower Payments

We handle the heavy lifting of consolidation.

Step 1:

Gather your current card info and balances.

Step 2:

Apply online or call 800-326-3328.

Step 3:

We pay off your old cards directly.

One new payment, one low rate, zero hassle.

Choose Your Card

Two Great Options for Every Situation

Pick the card that matches your needs.

Visa Platinum at 8.9% APR

Lowest rate for pure savings.

Visa Platinum Rewards at 10.9% APR

Earn while you save.

Both include

Free balance transfers and no annual fees.

30-day grace period

On new purchases.

Whether you want rock-bottom rates or rewards too, we have you covered.

Real Savings Examples

See How Much You Could Save

The math makes the decision easy.

$5,000 balance at 22% APR

= $183/month interest.

Same balance at 8.9% APR

= $37/month interest.

Monthly savings:

$146 goes to principal instead.

Total interest saved:

Thousands over payoff period.

Calculate your personal savings with our tools.

Additional Card Benefits

More Than Just Low Rates

Full-featured cards that protect and serve.

24/7 fraud protection

Monitors every transaction.

Auto rental insurance

Included free.

Worldwide acceptance

At 25 million merchants.

Mobile wallet compatible

For modern convenience.

All the features of premium cards without premium costs.

Your High‑Interest Debt Deserves a Better Home

Why let credit card companies profit from your balances? Transfer to DFCU today with zero fees, save hundreds monthly with our low fixed rates, and finally make progress on becoming debt-free. Whether from holiday spending or everyday expenses, we'll help you take control of your financial future.

Become a Member Today

LDS Members and others are welcome to join us as members.

Drive Your Dreams

Low Auto Loan Rates.
Fast Approvals.
Your New Car Awaits.

Save More, Stress Less

Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.