High balances? Not for long.
Transfer balances to your Summit Visa® Credit Card and save.
for 270 days on purchases and balance transfers made in the first 90 days of your account opening when you apply by August 31st.
Then, enjoy a rate as low as 10.75% APR*.
Power up your points when you use your Summit Visa® Credit Card on gym memberships, utilities, gas, restaurants, streaming services, and travel**.
With a balance transfer, you can save money on interest and simplify your monthly payments by paying down your debt in a single monthly payment.
Choose a card to transfer your balance to:
Gold
Balance Transfer Rate **
4.95% Our lowest rate card
Select Card
Platinum
Balance Transfer Rate
12.25% Earn points on every purchase, every day
Select Card
Signature
Balance Transfer Rate
12.25% Earn cash back on all purchases
Select Card
Secured Card
Balance Transfer Rate
14.45% Build or rebuild your credit with our fixed rate card
Select Card
Enter the Duration of your Balance Transfer Rate (in months)
Enter your current credit card information
Great News!
When you transfer to The Summit Card with a % Balance Transfer Rate, you will save a total of over the course of months!
Apply Now or fill out the form below to start the Visa Balance Transfer Process.
Sorry!
That’s an impressive rate; we recommend that you stay with your current card. But please check back with us in the future, as we frequently offer special credit card rates. And if your current card rates are introductory, come see us when those rates end to find out how much money you can save.
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
Already a Summit Cardholder? Complete your transfer in minutes. Plus, enjoy no balance transfer fee!
1. Log in to Online Access
2. Select Credit Cards
3. Choose Balance Transfer
4. Click Balance Transfer in the menu on the right
Become a Summit Cardholder
Apply Now
Savings are for illustration purposes only. Actual savings may differ. Call at (585) 453-7000 or (800) 836-7328 to see exactly how much we’ll save you.
Pay a lower rate
The national average APR is 20.12%.* Enjoy rates as low as 10.75% when you transfer your balances to one of our cards.
No balance transfer fee
The national average balance transfer fee is 3-5%.* With no balance transfer fee on our Summit Visa Card, the savings go right into your pocket.
Federally insured by NCUA. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of July 1, 2025 and are subject to change at any time.
*Savings based on national average for variable rate credit cards per Bankrate as of June 25, 2025 and national average balance transfer rate as of July 1, 2025.
** Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. For Visa® Gold Credit Card accounts opened 6/15/25-8/31/25, introductory APR of 4.95% ends 270 days after the date of account opening. Purchases and balance transfers made in the first 90 days after account opening will qualify for an interest rate of 4.95% until the 270-day introductory period is up. After that, your regular APR will be applied to any unpaid purchases and balances posted during and after the introductory period. For example, if your Visa®️ Gold Credit Card account is opened on 6/22/25, the 4.95% introductory rate will be valid on purchases and balance transfers made in the first 90 days through 3/19/26. After 3/19/26, your regular APR will apply. You can view your billing cycle date and regular APR on your credit card statement. Our Cash Advance Fee is 2% of the cash advance amount and our Foreign Transaction Fee is 1% of the transaction amount in U.S. dollars. As of 6/15/25, APRs range from 10.75% to 18.00% and are subject to change. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. Limited to members in good standing.
