Close Notification Bar
Skip to main content Skip to footer site map
Site Search Form
Exit Search

Transfer Your High-Rate Debt Today

Take advantage of a fixed-rate balance transfer with no annual or balance transfer fee.

A balance transfer makes it easy to get out of debt faster by moving higher-rate debt to a lower rate. With NASA Federal, your balance transfer rate never changes.* That's smart. NASA smart!

Rates as low as

8.9% APR*

Log in to Transfer

Transfer up to your credit limit.

The Benefits of a NASA Federal Balance Transfer:

Free

No Extra Fees

Save even more money with no annual, balance transfer, or foreign transaction fees.

Fixed Rate

Low, Fixed Rate

Don't worry about expiring intro rates or rate hikes with a locked balance transfer rate.

Fast Money

Fast Balance Transfers

Move on from high-rate debt quickly as most transfers occur within 2-3 business days.

Balance Transfer FAQs

What is a Balance Transfer?

A balance transfer is a transaction that moves your outstanding debt from one or more credit cards onto a new card, ideally with a lower interest rate.

Why should I do a Balance Transfer?

A balance transfer can be a great strategy to get out of debt especially if your Annual Percentage Rate (APR) is high or you have numerous debts across multiple cards. In addition, you can:

  • Pay less interest - By transferring higher-rate debt to a lower-rate card
  • Pay off balances faster - Put more of your payment towards principal and get out of debt faster
  • Consolidate debt - Simplify your finances by combining multiple bills into one monthly payment.

How do I submit a Balance Transfer?

To submit a transfer, simply follow these steps:

  • Select the "Log in to Transfer" button on this page. If you've never logged in, go to New User to create a profile.
  • Once logged in, go to Manage Cards, select your card and navigate to Balance Transfers
  • Enter your NASA Federal card number, date of birth, and last 4 of your Social Security Number
  • Click "Select Credit Cards" to view your creditors
    Note: You may be asked to authenticate yourself before gaining access
  • After authentication, you'll see a creditor and corresponding amount. To view more, select "All your cards"
    Note: There may be a difference in balance shown and the true balance on your card based on timing
  • Select the creditor, confirm the amount you'd like to transfer, then select "Pay this Balance"
  • Once you confirm, NASA Federal will pay your creditor and the balance will move to your NASA Federal card
  • If you do not see a creditor listed, simply select "Click Me!" at the bottom of the form. You'll be asked to enter in the creditor's information and amount to be transferred
    Note: If you use this method, it will take longer than 2-3 days to process

That's it! Now you're ready to start transferring balances to your NASA Federal credit card.

When will the Balance Transfer post to my account?

Typically between 2-3 business days but the time frame will ultimately depend on how quickly the creditor processes the transferred amount. As a good rule of thumb, continue to make payments until you know the transferred amount has posted and the balance has been paid off.

Will I earn rewards or cash back on my Balance Transfer?

No, balance transfers are not considered purchases and will not earn rewards or cash back.

 

*Annual Percentage Rate (APR) is valid only on balance transfers made within 90-days of account opening for qualified applicants, based on creditworthiness and other factors. The 8.9% APR will remain in effect for the life of balances transferred from non-NASA Federal credit cards within the first 90-days of account opening. Balance transfers made after 90-days of account opening do not qualify for the 8.9% APR.

 

Eligibility and Membership in NASA Federal Credit Union required. All offers subject to credit approval. This limited-time offer is subject to change at any time without notice. See NASA Federal Credit Card Terms and Conditions for additional details.

 

Important Visa Disclosure and Credit Information

Equal Housing Lender LogoNCUA Logo

Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583.

©
 
NASA Federal Credit Union

Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through Online Banking or Mobile Banking, or visit your nearest branch.

You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union.

The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.