Break free from high-interest credit card payments

With our limited-time balance transfer offer, we’re giving you the power to lower your payments and simplify your life. For a limited time you can get a standout rate of 2.99% APR* PLUS enjoy a low balance transfer fee of 1%. Looking for a better card? Then switch to a First Commerce Visa card!

Transfer + Save Today!

Why transfer your balance to a First Commerce Visa card?

Why transfer your balance to a First Commerce Visa card?

  • Lower your payments

  • Consolidate debt

  • Pay down debt faster

  • Free up money for other priorities

Apply Today

Boost Your Card Benefits with First Commerce Visa

No Annual Fee

No Annual Fee

Emergency Cash or Card Replacement

Emergency Cash or Card Replacement

Zero Liability Protection

Zero Liability Protection

Roadside Dispatch

Roadside Dispatch

Travel Assistance

Travel Assistance

Local Support and Service

Local Support and Service

Balance Transfer Pro Tips

There are easy, basic actions you’ll need to take to transfer your balance to your new First Commerce Visa card.

1. Visit one of our 14 financial centers or call our Contact Center

2. Have your other credit card information ready (account number and balance)

3. Activate your new FCCU Credit Card

4. Enjoy lower rates and personalized service!

See more detailed instruction in our Frequently Asked Questions

Credit Card Balance Transfer Calculator

If you’re carrying a balance on a high-interest credit card, transferring it to a First Commerce credit card could help you take control and move forward with confidence. Our balance transfer calculator lets you compare your current card to our limited-time balance transfer offer, so you can see how a lower introductory rate may impact your payoff timeline and interest costs.

Taking Advantage of Our Balance Transfer Offer Is Easy

Apply online instantly or visit one of our 14 financial centers, call our Contact Center, email us, or schedule an appointment.

Apply Today Schedule an Appointment

Master Your Credit: Tips for Credit Card Success

Debit vs. Credit: What and When to Use

Debit vs. Credit: What and When to Use

Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.

Read More
Credit Card Management Tips for Smart Spending

Credit Card Management Tips for Smart Spending

Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.

Read More
10 Things You Should Never Buy with a Credit Card

10 Things You Should Never Buy with a Credit Card

Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.

Read More
Debit vs. Credit: What and When to Use

Debit vs. Credit: What and When to Use

Learn the key differences between debit and credit cards, and when it’s best to use each for your purchases. This article breaks down the pros and cons of each type of card to help you make smarter financial decisions.

Read More
Credit Card Management Tips for Smart Spending

Credit Card Management Tips for Smart Spending

Discover helpful strategies for managing your credit card effectively, from making on-time payments to maintaining a healthy credit score. This article offers actionable tips that can help you take control of your spending and avoid costly mistakes.

Read More
10 Things You Should Never Buy with a Credit Card

10 Things You Should Never Buy with a Credit Card

Not all purchases should be made with a credit card. This article lists 10 types of purchases you should avoid to prevent falling into debt or harming your credit score and offers alternative payment suggestions for each situation.

Read More

Step 1: Choose Transfer Method

  • Visit one of 14 financial centers for assistance.
  • Or call the Contact Center at 850-488-0035 or 1-800-533-5772 (Mon–Fri: 8 a.m.–6:30 p.m. ET; Sat: 9 a.m.–1 p.m. ET).
Step 2: Provide Transfer Details
  • Have your other credit card info ready (account number and balance).
  • Team will process the transfer for you.
Step 3: Activate Your New FCCU Credit Card
  • Call the number on the sticker when the card arrives.
  • Start using your card immediately after activation.
Step 4: Enjoy Benefits
  • Lower rates and personalized service.
  • Learn more about features on the website.

Yes. You can initiate the process of transferring balances from non-FCCU cards by visiting any of our financial centers or calling our Contact Center, as detailed in the answer to Question 1.

Your new FCCU credit card is not an instant-issue card, meaning it could take about 7-10 business days to reach you.

Yes, the limited-time balance transfer promotion applies to FCCU’s low-interest credit card and rewards card.

Our balance transfer promotion will last from January 15-March 31, 2026.

*APR = Annual Percentage Rate. Introductory balance transfer rates are valid for any balance transfers-initiated January 15–March 31, 2026, and remain in effect on the transferred balances for six billing cycles from the date of the first account transferred. Balance transfer rates, depending on the card you qualify for, are 2.99% APR for Visa Platinum. Balance transfers made after March 31, 2026 will be at the rate disclosed in the account opening disclosure. After the sixth billing cycle, all transferred balances convert to the rate stated in the credit card account opening disclosure, currently 11.49%–17.99% APR for Visa Platinum 14.74%–17.99% APR for Visa Platinum Rewards, based on your creditworthiness. Variable APRs are based on the Wall Street Journal Prime Rate plus a margin and may change as the Prime Rate changes. Rates are effective as of January 1, 2026. There is no grace period on balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. Offer good on non-FCCU loan/credit card transfers only. Balance transfer fees will be reduced to 1% from January 15–March 31, 2026, after which they will return to the current fee of 2.50%. Other restrictions may apply. Must meet credit qualifications. Equal Opportunity Lender. Minimum payment example: A $1,000 credit card balance would require a minimum monthly payment of $30. Actual payment amounts may vary.

**Example for illustrative purposes only. Actual savings and payoff time may vary based on balance amount, payment behavior, creditworthiness, and other factors. Example assumes a $5,000 balance transferred from a credit card with a 19.7% APR and a monthly payment of $200.