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Exclusive Offer Selected For You
Pay Less Interest.
Keep Your Rewards.
We selected you for a special 5.99% APR for 12 months on balance transfers to your Visa® Rewards Card — no transfer fees, and your rewards points keep earning the whole time.
Use offer code: NEWYEAR to claim this offer
Takes less than 5 minutes · A credit review will be completed as part of your application
This offer was selected for you based on your credit profile. No transfer fees apply. See full terms ↓
What’s Included
Everything You Need,
Everything You Need,
Nothing You Don’t
Your Visa® Rewards Card combines a low rate, real rewards on every purchase, and the trust of a local credit union that puts members first.
Intro Offer
5.99% APR for 12 Months
Transfer balances from other institutions and pay down debt faster. After 12 months, your rate is 9.90%–14.90% APR based on creditworthiness.
Rewards Points on Every Purchase
Earn 0.5 points per dollar on eligible purchases — redeemable for travel, merchandise, and more. Your balance transfer doesn’t pause your earning.
$0 Annual Fee
All the benefits, none of the cost to carry. No annual fee means every dollar you save on interest stays with you.
Visa Zero Liability Protection
If your card is ever lost or stolen, you’re covered. Fraud protection built right in — no extra steps, no extra cost.
Digital Wallet Ready
Works with Apple Pay, Google Pay, and Samsung Pay for secure, contactless payments wherever you go.
Built-in Travel Protections
Lost luggage reimbursement, emergency card replacement, and travel assistance — included at no extra cost.
Ready to Claim Your Offer?
Takes less than 5 minutes to apply.
Claim Your OfferSubject to credit approval. A credit review will be completed as part of your application.
Common Questions
We’ve Got Answers
After approval, you can request a balance transfer through online banking, at a branch, or by calling us at 800-540-8707. You’ll need the account number and balance from your other institution. Transfers from existing MSCU accounts are not eligible for this promotion.
A Balance Transfer Fee of 1.00% of the total amount transferred applies with our Smart Rate Visa Card, there is non transfer fee with our Visa Rewards card.
Yes — submitting a full application includes a hard inquiry on your credit report. This is standard for all credit card applications and is needed to confirm your eligibility for this offer.
Any remaining balance reverts to the standard APR of 9.90%–14.90% based on your credit card. We recommend paying down as much as possible during the promotional window.
Yes. Rewards points continue to earn on all new eligible purchases. The balance transfer amount itself does not earn points — only new purchases do.
Member Stories
Why Members Choose MSCU
Recognized by Forbes as one of the best credit unions in Maine — four years running.
★★★★★
Ann F. — MSCU Member
“Great customer service! Would definitely recommend doing business with them.”
Verified Member
★★★★★
Anonymous — MSCU Member
“From the moment I walked in, I felt welcomed. They greet you like they know you, even if it’s your first visit. You can tell they genuinely care about their members.”
Verified Member
★★★★★
R.M. — Augusta, ME
“Switching my balances over was the smartest financial move I made this year. The MSCU team made the whole process simple.”
Visa Rewards Cardholder
*Promotional Balance Transfer APR: The 5.99% promotional APR is valid for non-MSCU balance transfers posted to a Visa® Rewards Credit Card account during the promotional window only. Existing MSCU balances are not eligible. After 12 months, remaining balances revert to the standard variable APR of 9.90%–14.90% based on creditworthiness.
Balance Transfer Fee: A fee of 1.00% of the total balance transferred applies to each transfer.
No Annual Fee: There is no annual fee on the Visa® Rewards Card.
Rewards: Points earned at 0.50 per dollar on eligible net purchases. Points do not apply to balance transfers, cash advances, or fees. Points expire 12 months after earned. Account must be open and in good standing to earn and redeem. See Maine State Credit Union Rewards Program terms for full details.
Foreign Transaction Fee: 1.00% of each multiple-currency transaction; 0.80% of each single-currency transaction in U.S. dollars.
Zero Liability: Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must notify Maine State Credit Union immediately of any unauthorized use.
Credit Review: Submission of an application constitutes a hard inquiry on your credit report. Approval subject to creditworthiness. Programs, rates, terms, and conditions subject to change without notice.
Membership: Credit card accounts require Maine State Credit Union membership. Eligibility requirements apply.