Balance Transfer

1.99% promo APR on Visa Balance Transfers made April 1, 2026 – December 31, 2026. Enjoy this low rate through June 2027. After that, pay your standard variable APR, currently 10.45% – 22.45%.

Balance Transfer Terms and Conditions

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 April 1, 2026, through December 31, 2026. Transaction amounts will be applied to your established credit limit and will be charged 1.99% APR until your statement period beginning in July 2027. 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 may 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: 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.

I’ll Send My Payment(s): I understand it is my responsibility to send my payment(s) (via check, bill pay, ACH, etc.) to the lender(s) I’ve listed as soon as the Balance Transfer deposit is made to my Sound account.

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 not be awarded on transactions from this promotion.

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

Revised: 4.2026