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Zero interest on balance transfers for Visa

Transfer your High-Interest Credit Card and Save!

Transfer your existing credit card balances to Certified Federal and take advantage of a reliable, cost-effective solution.

Key Benefits:

  • 0% APR for the first 6 months. Enjoy interest-free payments during the introductory period.
  • Steady non-variable rate afterwards. Avoid the unpredictability of fluctuating credit card interest rates.

If you are looking to pay off credit card debt faster, this balance transfer program is a great option for you! Consolidate multiple credit cards into one monthly payment, and pay it off faster with a balance transfer to a new or existing Certified Federal credit card.

For more information or to start your balance transfer today, contact our Loan Department at 323.859.2250, Option [1].

IMPORTANT VISA DISCLOSURE INFORMATION

The below information is current as of March 1, 2025. This information is subject to change after that date.

Please contact us at P.O. Box 8023, El Monte, CA 91734, to learn of any changes.

MORE Rewards VisaShare Secured
Non-Variable Annual Percentage Rate
for Purchases		8.90% – 17.90%*
based on credit worthiness		10.90%
Non-Variable Annual Percentage Rate
for Balance Advances		8.90% – 17.90%*
based on credit worthiness		10.90%
Non-Variable Annual Percentage Rate
for Cash Advances		8.90% – 17.90%*
based on credit worthiness		10.90%
0% Promotion Terms for Balance TransfersPromotional APR of 0% APR is through the first 6 billing cycles from account opening. If any balance is remaining after the promotional period, the APR will revert to your standard non-variable Visa interest rate. 0% balance transfer offer is eligible for CFCU cardholders, when balances are transferred from other institutions.
Transaction Fee for Promotional Balance Transfer3% charged for all Balance Transfers with a minimum of $5.00
How to Avoid Paying Interest on PurchasesYour due date is at least 26 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month
Overlimit Feeup to $29.00
Annual FeeNONE
Transactional Fee for Cash Advances / Overdraft2% charged on all cash advances (minimum $5.00, maximum $50.00) and $5.00
checking account overdraft fee
Late Payment Feeup to $29.00
Minimum Interest ChargeIf you are charged periodic interest, the charge will be no less than $0.50
Penalty APR17.9%
This penalty APR may be applied to your account if you make a late payment.
How long will penalty APR apply? If your APR increases for this reason, the penalty
APR will apply until you make six (6) consecutive minimum payments when due.
Purchases during this time period will remain at penalty rate.
Foreign Transaction Fees1% of international transaction requiring currency conversion
Returned Payment Fees$23.00
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

*How your finance charge is calculated: We use a method called “average daily balance (including new purchases)”. Certified Federal has a managed-risk credit program with rates based on FICO scores. Your rate will be determined at the point of processing. You authorize Certified Federal, to verify or check any of the information given, including credit references and employment. You authorize Certified Federal to obtain credit reports from any credit reporting agency in connection with your application or with any updated renewal or extension of credit (including your spouse’s if you live in a community property state). You authorize Certified Federal to provide credit information about you and your account to others. You also agree to be bound by the terms and conditions of the Visa Card Agreement and Federal Truth-in-Lending Disclosure Statement for your account. Any credit access devices issued for this account may be sent to the applicant only, and he or she is responsible for ensuring that the additional access devices are delivered to the other applicant on the account. All terms are subject to change. For more information, call 323.859.2250.