Spring Clean Your Credit Card Debt with a 1.99% APR Balance Transfer
- Options Credit Union
- Jan 21
- 2 min read
Spring is the perfect time to refresh your finances, and that includes tackling high-interest credit card debt. If you're carrying balances with double-digit interest rates, Options Credit Union has a limited-time offer designed to help you save money and pay down debt faster. From February 1, 2026, through May 1, 2026, both new and existing credit union credit card holders can enjoy a special 1.99% APR* for 12 months on balance transfers.
Whether you’re consolidating multiple cards or moving a high-rate balance, this offer can make a meaningful difference in how quickly you pay off debt.
How The Balance Transfer Offer Works
Eligibility: Available for both new and current credit union credit card accounts.
Transfer Window: Complete your balance transfer between 2/1/26 and 5/1/26.
Special Rate: 1.99% APR* for 12 months on transferred balances.
After the Promo: Any remaining balance after 12 months will revert to your standard account APR.
Why a Balance Transfer Makes Sense
Carrying balances on high-interest cards can make it feel like you’re stuck on a treadmill—paying month after month without making real progress. By transferring your existing balance to our credit union credit card, you can:
Save money on interest charges.
Pay down your principal faster.
Simplify your payments by consolidating debt.
Free up cash for savings and other goals.
Spring Clean Your Finances Today
This special rate won't last forever. If you're ready to stop overpaying on interest and start making real progress on your debt, now is the time to act.
Current cardholders log into eZCard to complete your balance transfer request
Apply for a limit increase on your current Options Credit Union Visa credit card
Can't access eZCard? Use this form to request your balance transfer
Read our post on why a credit card like ours with no annual fee and a non-variable rate matters
*APR = Annual Percentage Rate. Balance transfers completed 2/1/26–5/1/26 will receive 1.99% APR for 12 months from the date of transfer. After the promotional period expires, any remaining balance will convert to the standard APR applicable to your account.
