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Consolidate Your High-Rate Credit Card Balances

Use your low, fixed-rate Platinum Visa to transfer your high-rate credit card balances for FREE through Online Banking or submit the form on this page!¹

You could also request FREE Visa convenience checks to pay off other credit card balances, including from store-brand cards, or to pay bills.
call (800) 537-8491, visit your nearest branch, use Online Banking chat or email [email protected].

To request your balance transfer via Online Banking:

Log in Online Banking at ffcu.org
Click “Visa Balance Transfer” under “Card Services”
Submit form

Your Savings Can Really Add Up!

Financial Institution	Sample Balance	Savings / Interest Owed	Balance Transfer Fee
First Financial Platinum Visa 10.90% APR²	$6,000	$654.00 (Potential Annual Savings)³	None!
Competitor Average Interest Rate 18.86% APR	$6,000	$1,131.60 (APR Interest Owed)	$180.00-$240.00 (3%-4% Fee)

Beware of "0% APR Balance Transfer" Promo Offers and So-Called "Rewards"

Typically consumers don't pay off the balance by the time the promo ends, when the interest rate defaults to a much higher, variable rate. And while other cards may flaunt rewards, the interest rate is often variable, which can increase at any time. With our Platinum Visa, your low, fixed rate never increases, providing you with stability you can count on.

Don't have our Platinum Visa? Apply today!

Apply Today

¹Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.

²APR=Annual Percentage Rate.

³This representative example of potential annual savings is based on a $6,000 balance at 10.90% APR. Your actual savings may vary based on your credit account(s) with your financial institution(s). A third-party source was used for the average interest rate as of 2/11/25. Other terms, conditions and restrictions may apply. Call for complete details.