Balance Transfer Bonanza
4.99% promo APR* thru July 2025 on credit card balance transfers made by 1/31/25.
And supercharge your savings.
- 4.99% promo APR* thru July 31, 2025 and after that, pay the standard variable APR, currently 11.70% – 23.70%
- Zero balance transfer fees
- Fast and easy balance transfer process
- Offer ends January 31, 2025
- Get started now to maximize the low-rate benefits
You can easily get started transferring your balances to your Sound Visa credit card from within Sound online banking or the mobile app. Click the button* above and following these steps: Login > Move Money > Balance Transfer.
Or, download, complete and return the
Balance Transfer Form
to get started transferring balances from higher-rate cards.
*The button above will direct your browser to open our homepage (soundcu.com). If you’re not already logged in to Online Banking, click the LOGIN button and enter your credentials. After logging in, you’ll be taken directly to begin the Balance Transfer process.
Don’t be fooled by other ZERO PERCENT offers. Compare and save with Sound!
No Balance Transfer Fee
Other credit cards charge a percentage of the balance transferred. Sound has ZERO balance transfer fees.
Low Standard APR
Sound’s standard rate is 6% lower than other credit cards in the market.
Promo Period Up to 18 Months
Enjoy up to 18 months of low rate benefits at Sound.
Calculate Your Savings
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.
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.
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, 2024 through January 31, 2025. Transaction amounts will be applied to your established credit limit and will be charged 4.99% promo APR through July 31, 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.