Credit Card Balance Transfers: A Smart Way to Save

If you’re carrying a balance on a high-interest credit card, a balance transfer can help you pay down debt faster and save money. Here’s how:

• Lower Interest Rates: Many balance transfer offers come with a low or even 0% introductory APR for a set period.
• Faster Debt Payoff: With less interest piling up, you can reduce your balance sooner.
• Simplified Payments: Consolidating multiple balances onto one card can make managing your debt easier.

Check out our lowest rate card, or our CU rewards or Cash Back card options. All three DECU credit card options offer 0% APR* on all transactions for the first 15 months and are backed with zero-fraud liability and online account access. Visit our website for details and terms, then apply online or by phone. Start saving today!

*Annual percentage rate. 0% APR valid for new credit card accounts only for all transactions for the first fifteen months. The introductory rate is not valid on existing Dominion Energy CU balances. After the introductory period, the rate will return to the variable rate for which you qualify, currently 11.65% APR – 21.65% APR as of 12/3/25. View current rates and credit card agreement and disclosure at www.dominionenergycu.org for details. Balance transfer fee is 3% or $10, whichever is greater. Cash advances, credit card checks, and balance transfers are excluded from earning rewards. Platinum Rewards card bonus of 10,000 points when you make $1,500 in net purchases within the first 90 days and Cash Rewards card bonus of $100 when you make $500 in net purchases within first 90 days on new credit card accounts only. Please note: CURewards^® points don’t transfer – be sure to redeem any you may have before you apply for a new card. Member must meet credit qualifications and minimum line of $5,000 for new card.