3.75% APR on Balance Transfers
until your September 2020 billing cycle.
After that, APR returns to your regular APR.

Balance Transfers Are Easy and Can Save You Money

Icon - Pay a lower rate

Pay a lower rate

3.75% APR on Balance Transfers, plus rates as low as 8.00%APR.

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Pay down debt faster

Transfer multiple balances into one monthly payment, simplifying your finances.

Icon - Save money on interest

Save money on interest

No balance transfer fee and low rates, so your savings go right into your pocket.

Watch Your Balance Decrease and Your Savings Grow

Get an idea of how of how much you’ll save with our Balance Transfer Calculator.

1. Choose a card from The Summit


Image of The Summit FCU Visa Gold Card

Balance Transfer Rate

Lowest Rate Card with an APR as low as 8.00%

Select Card


Picture of The Summit FCU visa platinum credit card

Balance Transfer Rate

Rewards Card with an APR as low as 9.50%

Select Card


Balance Transfer Rate

Cash Back Card with an APR as low as 9.50%

Select Card

Enter the Duration of your Balance Transfer Rate

2. Enter Your Current Credit Card Information

Transfer Amount Your Current Rate Savings Per Card
Card 1
Card 2
Card 3

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.


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.

Savings are for illustration purposes only. Actual savings may differ. Give us a call at (585) 453-7030 or (800) 836-7328 extension 7030 to see exactly how much we'll save you.

Let Us Help You Transfer Your Balances Today

If you have any questions or would like help starting the process, please fill out the form below, visit any Summit branch or contact our Member Service Center at (800) 836-SFCU extension 7030.

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Already a Summit Cardholder?

  1. Log into Online Access
  2. Select Credit Cards
  3. Select Balance Transfers – Credit Cards
  4. Select Services
  5. Select Balance Consolidation
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Not a Summit Cardholder?

Apply today!

Federally insured by NCUA. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. 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. APRs range from 8.00% to 18.0%. Your APR will depend on your creditworthiness and will vary with the market based on the Prime Rate. APRs shown are as of November 1, 2019 and are subject to change at any time.

Promotional APR available on qualified balance transfers posted between September 1, 2019 and March 31, 2020. Minimum of $100 per balance transfer. Promotional APR ends the day after your September 2020 billing cycle begins. For example, if your September 2020 billing cycle begins on September 27, 2020 your promotional APR would end on September 28, 2020. You can view your billing cycle date and your regular APR on your credit card statement. Promotional offer cannot be used to pay off other Summit credit cards. . 

© 2020 The Summit Federal Credit Union. All rights reserved.