Pay No or Low Interest for 12 Months

Now through September 30, you may qualify for balance transfer rates between 0% and 5.99% APR* based on creditworthiness for 12 months when you move your existing balances to a select Apple FCU Visa Credit Card¹, then a variable rate based on creditworthiness (11.49% - 18.00% APR).

Apply for a New Apple FCU Credit Card

Apply for a new Apple FCU Credit Card and transfer your balances from other lenders.

Promotional rates and offers are subject to credit approval and creditworthiness. Not all applicants will qualify.

Apply Now

Transfer a Balance to Your Existing Apple FCU Credit Card

If you have received a balance transfer offer, you can transfer balances to your existing Apple FCU Credit Card through Apple FCU Digital Banking (Manage Cards under the Accounts menu).

Promotional rates and offers are subject to creditworthiness. Not all applicants or existing cardholders will qualify.

Log In

Current cardholders can also transfer balances by calling 703-788-4800 or by scheduling a video appointment. 

Why Transfer Your Balance to an Apple FCU Visa Credit Card

Low or No Interest Rates for a Full Year

You may qualify for balance transfer rates between 0% and 5.99% APR* based on creditworthiness for 12 months, then a variable rate based on creditworthiness (11.49% - 18.00% APR). That’s 12 months of real progress on your debt.

After those 12 months? Credit union rates are regulated to never exceed 18.00% APR—longer-term savings big banks can’t compete with.

Simplify Your Payments

Put all your balances into one manageable, monthly payment. No more keeping track of multiple accounts and due dates.

Save More This Summer

Use your money to fund adventure or build your savings, and enjoy no or low interest on your balance for 12 months.

Calculate Your Savings

*APR = Annual Percentage Rate as of 07/01/2026 only available on balance transfers made with a variable rate Visa Credit Card, excluding Educator cards opened less than 12 months ago, Student, Credit Builder or Business Credit Card. The balance transfer APR offer is available 07/01/2026-09/30/2026 on balance transfers only. A 4.00% balance transfer fee during the promotional period applies. Balance transfer rates adjust to a variable APR (11.49% - 18.00%) after the promotion period based on an evaluation of applicant credit; not all applicants will qualify for the lowest rate. The approved promotional APR is good for 12 months from the date of the first balance transfer transaction. Balance transfer promotional offers may not be used to pay down or pay off Apple FCU Loans/Credit Card balances. The APR for purchases, cash advances and balance transfers will be disclosed at the time of credit approval.

1 A 4.00% balance transfer fee during the promotional period applies.