Financial Holiday Hangover?
We’ve Got You Covered.
Holiday bills piling up? Let’s hit pause on interest. Transfer your high-interest credit card balances and enjoy 0% APR for 15 months* on MyUSA Mastercard. That means more of your payment goes toward what you owe – not interest.
Transfer your balance, make a plan, and move forward with confidence.
Ready to take advantage of our 0% APR balance transfer?
Getting started is easy. Submit a Credit Card Balance Transfer Request through our mobile app or online banking, or apply below.
Get the Most out of MyUSA
*APR = Annual Percentage Rate. The 0.00% APR promotional rate on Mastercard balance transfers is valid for 15 months from the date of transfer, for balance transfers posted between January 12, 2026 and March 31, 2026. Offer valid only on new balance transfers and only on MyUSA Mastercard credit cards; cannot be used to transfer funds from any existing MyUSA credit card or loan. Offer is not valid on purchases or cash advances. After the promotional period, the standard variable APR for balance transfers will apply, will vary based on individual creditworthiness, and is determined monthly by adding an amount between 4% and 12% to the Prime Rate. Prime Rate is subject to change on the first day of the billing cycle in the month immediately following any such changes in the Prime Rate as published in The Wall Street Journal. Current Mastercard rates as of 1/5/2026 range from 10.75% – 18.75% (see cardholder agreement for complete details). A balance transfer fee of $15.00 or 3% of transfer, whichever is higher, applies to Mastercard balance transfers. If applying for a new Mastercard Credit Card; you must first become a MyUSA CU member, be at least 18 years of age, and satisfy MyUSA’s eligibility and standard underwriting criteria; not all applicants will qualify. Promotional offers, credit card programs, rates and cardholder benefits are subject to change without notice. Other terms, conditions, limits, and fees may apply. Cannot be combined with any other offer. Speak to any MyUSA Associate for more details.