Free yourself from high-rate debt and multiple credit card payments
Transfer your high-rate credit card balances1 to a Monterra Credit Union credit card and enjoy 1.99% APR* for 12 months. Offer is valid till October 31, 2026.
Take advantage of this limited-time offer. From July 1 to October 31, 2026, transfer your balance to a Monterra Credit Union credit card and enjoy 1.99% APR for 12 months with no balance transfer fee.
1.99% APR* for 12 months on all balance transfers*
Applies to all credit card types
No balance transfer fee
Get started with your balance transfer.
Select an option below.
Select an option below.
Already a Monterra Credit Union Credit Card holder?
Apply for a balance transfer through Online Banking. Simply go to (Manage Your Card) and select (Credit Card Balance Transfer).
Don’t Have a Monterra Credit Union Credit Card?
Start your application now to take advantage of our balance transfer offer.
NOT A MEMBER OF MONTERRA CREDIT UNION?
Join Monterra Credit Union and apply for a credit card. Once approved, you can begin the balance transfer process.
*APR = Annual Percentage Rate. 1. Promotional APR will be applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. Purchases and cash advances are excluded from this offer. All loans and credit cards are offered on approved credit and are subject to qualification, including offers to perform a balance transfer. Cards carry a variable rate that can change monthly. Promotional balance transfer APR is good for 365 days (12 months) from the date of the last balance transfer made during the promotional period. Thereafter, the balance transfer will revert to the APR as disclosed in your Card Agreement. The balance transfer/cash advance fee of 3.00% of the transfer amount, with a minimum of $4 and a maximum of $300, will be waived during the promotional period, which ends 10/31/26. Offer is subject to change without notice. Conditions and restrictions apply.