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Balance Transfer Bonanza is Back!

4.99% promo APR* thru June 2025 on credit card balance transfers made by 12/31/24

Offer expires in

Days

Hours

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Slash the interest rates on your higher-rate cards

 And supercharge your savings.

  • 4.99% promo APR* thru June 30, 2025
  • Zero balance transfer fees
  • Fast and easy balance transfer process
  • Offer ends December 31, 2024
  • Get started now to maximize the low-rate benefits

Download, complete and return the balance transfer form to get started transferring balances from higher-rate cards.

Don’t be fooled by other ZERO PERCENT offers. Compare and save with Sound!

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No Balance Transfer Fee

Other credit cards charge a percentage of the balance transferred. Sound has ZERO balance transfer fees.

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Low Standard APR

Sound’s standard rate is 6% lower than other credit cards in the market.

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Promo Period Up to 18 Months

Enjoy up to 18 months of low rate benefits at Sound.

Calculate Your Savings

Balance Transfer Comparison

OTHER CREDIT CARDS

SOUND CREDIT UNION

BENEFITS OF SOUND

STARTING BALANCE

OTHER CREDIT CARDS

$10,500

with 5% fee

SOUND CREDIT UNION

$10,000

BENEFITS OF SOUND

$500 savings

BALANCE TRANSFER FEE

OTHER CREDIT CARDS

5%

SOUND CREDIT UNION

0%

BENEFITS OF SOUND

MONTHLY PAYMENT 2%

OTHER CREDIT CARDS

$200

SOUND CREDIT UNION

$200

BENEFITS OF SOUND

INTRO PROMO RATE

OTHER CREDIT CARDS

0.00% APR

SOUND CREDIT UNION

4.99% APR

BENEFITS OF SOUND

PROMO PERIOD

OTHER CREDIT CARDS

12 months

SOUND CREDIT UNION

18 months

BENEFITS OF SOUND

6 months longer

STANDARD RATE

OTHER CREDIT CARDS

22.16% APR

SOUND CREDIT UNION

16.20% APR

BENEFITS OF SOUND

6% lower rate

INTEREST

OTHER CREDIT CARDS

$6,961

SOUND CREDIT UNION

$3,226

BENEFITS OF SOUND

$3,734 less interest

TIME TO PAY OFF

OTHER CREDIT CARDS

88 months

SOUND CREDIT UNION

67 months

BENEFITS OF SOUND

Pay off 21 months faster

Common Questions About Credit Card Balance Transfers

Sound charges ZERO balance transfer fees.

This is a key benefit when considering Sound Credit Union. Most credit cards offer promotional balance transfer deals, commonly a 0.00% APR introductory rate, but charge a balance transfer fee, usually ranging from 3% to 5% of the transferred amount. It’s crucial to carefully review the terms and conditions to understand any associated fees. Additionally, consider whether the potential interest savings outweighs the transfer fee.

Download, complete and return the balance transfer form to get started transferring balances from higher-rate cards.

BALANCE TRANSFER FORM PDF

You’ll need the following information handy:

  • Your Sound Credit Union account/member number
  • Card/Lender names of the balances you’re transferring to Sound, as well as:
    • Account number
    • Customer service phone number
    • Amount to transfer
    • Payment address

Applying for a Sound Credit Card is Fast and Easy.

Rewards, Cash Back or Low Interest Select. Sound has a variety of card programs to fit your life.

Compare Cards & Apply

Disclosures

Important Information About This Offer: Sound Home Equity and Business Rewards, Business Platinum, and Business Platinum Secured accounts are excluded from this offer. Promotional APR applied to balance transfers completed January 1 through December 31, 2024. Transaction amounts will be applied to your established credit limit and will be charged 4.99% promo APR through June 30, 2025. After that, you will be charged the standard APR for purchases as described in your loan documents or any subsequent change in terms. Transactions that post after the promotional date or if your account is in default may be charged the applicable non-promotional terms (for example, APR and transaction fee) stated in your loan documents or any subsequent change in terms, or will be declined. Offer, rates, and fees subject to change. The APR on all other transactions and balances on your account will remain at the applicable rate in accordance with your Credit Card Agreement.

Transferring Balances: Sound Credit Union does not charge a balance transfer fee. Promotional balance transfers cannot be used to pay off another Sound Credit Union loan or line of credit. Please allow 2–3 weeks for the receiving institution to process your payoff. Continue to make your payment on these accounts until the payment for the transferred amount appears on your other issuer’s statement. Sound Credit Union is not responsible for late payments on your other issuer’s account. We are not able to close your other accounts even if you transfer the entire balance. If you want to close the account, you will need to contact the issuer directly. Balances can be transferred up to your established limit.

Right to Decline: Under certain circumstances (for example, if your account is past due or over limit, or if we reasonably believe you will be unable or unwilling to repay the balance, or as described in your Credit Card Agreement), we may decline to process your transaction.

Credit Card Agreement: For further details about terms or conditions on your account, please refer to your Credit Card Agreement.

Rewards Cardholders: Sound Rewards points will be awarded on transactions from this promotion.

Cash Back Cardholders: Balance transfers are not eligible for cash back award.

Fees: Sound Credit Union does not charge a balance transfer fee.