High balances? Not for long.
Transfer balances to your Summit Visa® Credit Card and save.
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%
for 270 days after account opening**
Ends 08/31/2026
Select Card
Platinum
Balance Transfer Rate
11.50% Earn points on every purchase, every day
Select Card
Signature
Balance Transfer Rate
11.50% 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.
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Already a Summit Cardholder?
Complete your transfer in minutes. Plus, enjoy no balance transfer fee!
- Log in to Online Access
- Select Credit Cards
- Choose Balance Transfer
- Click Balance Transfer in the menu on the right
Become a Summit Cardholder
Pay a lower rate
The national average APR is 19.57%.*** Enjoy rates as low as 4.95%* 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. APRs range from 14.45% (Secured), to 10.00% to 18.00% (Gold), and 11.50% to 18.00% (Platinum & Signature). Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of June 1, 2026 and are subject to change at any time.
1. 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. A $75 Annual Fee applies to Visa Signature® Credit Card.
* For Visa® Gold Credit Card accounts opened 6/1/26–8/31/26, purchases and balance transfers made within 90 days of opening will receive a 4.95% introductory APR, valid for 270 days from the account opening date. For example, if your Visa® Gold Credit Card account is opened on 6/22/26, the 4.95% introductory APR will apply to purchases and balance transfers made within the first 90 days and will remain in effect through 3/19/27. After that, your regular APR will apply to any unpaid purchases and balance transfers made during or after the introductory period. 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 6/1/26, APRs range from 10.00% 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.
**6/1/26 through 8/31/26, Visa Signature®️ Credit Cards are eligible for 3X points and Visa®️ Platinum Credit Cards are eligible for 2X points. Bonus points are awarded based on purchases posted to account in the merchant categories associated with gym memberships, utilities, gas, restaurants, travel and streaming services by 8/31/26. Points rewarded will be based on net purchases (sum of eligible purchase transactions minus returns and refunds) posted to your account at the close of each billing cycle. New cardholders: For Visa®️ Platinum Card accounts opened between 6/1/26 and 8/31/26. Cardholders will receive 3,000 bonus points statement credit upon spending $1,500 in eligible purchase transactions within 90 days of account opening.
***Savings based on national average for variable rate credit cards per Bankrate as of June 1, 2026 and national average balance transfer rate as of June 1, 2026.
