Balance Transfer

Benefits of LFCU's Visa® Balance Transfer Program

Simplify your debt and consolidate your credit card or loan balances on one of LFCU’s Visa® Credit Cards. Learn more about LFCU’s Visa® Balance Transfer Program and Credit Card options below. Save money by paying a lower interest rate than most other corporate credit cards or loans.

Consolidate debt into one loan

  • One loan means only one payment instead of multiple payments

0% APR* for 365 days!

  • 3% fee is assessed at time of balance transfer
  • More of your monthly payment will go towards reducing your credit card balance, instead of towards interest.

See bottom of page for Balance Transfer details.

Peace of mind knowing LFCU offers Fixed¹ Rate Visa Credit Cards

  • After promotional period your card reverts to rate approved at time of loan opening. As low as 10.40% APR* and as high as 17.90% APR*
  • The approved rate will not change during the life of the loan.

Ability to make payments a variety of ways on your LFCU Visa Credit Cards

  • Transfer from your LFCU Shares via NetTeller Online Banking or the LFCU Mobile App
  • Make a payment over the phone: 717-272-2210
  • Make a payment at an LFCU Branch (See Locations) 
  • Simply pay your loans online! Make a payment via LFCU’s Payrazr website which can be accessed at any time, for FREE. No need to call, or visit a branch! To use this awesome feature you do not need an online banking or mobile app account!

By choosing LFCU for your banking needs you are also helping LFCU better provide great rates and services for the membership and the community.

  • Fill out the Balance Transfer Form with all the required information
  • Bring form with you to any of our convenient branch locations!

*The 0.00% Annual Percentage Rate (APR) on Balance Transfers is eligible on LFCU Classic and Platinum VISA® Credit Cards. There will be a 3% balance transfer fee at the time of each balance transfer during the 365 day promotional period starting after the first balance transfer date.  Balance transfer(s) will revert, after 365 days from date of first balance transfer, to the rate approved at time of application. Current rates range from 10.40% APR to 17.90% APR. The 365 days after first time of balance transfer posting will be considered the promotional period. After the expiration of your promotional rate, the remaining unpaid portion of all balance transfer(s) processed during the promotional period will be subject to your normal APR as outlined on your monthly statement based on the specific LFCU Visa®Credit Card selected. The total amount of outstanding transfer requests cannot total more than your available credit.  Any new purchases will be charged at current rates per Cardholder Agreement & Disclosure. Any payment received on your Visa will be applied first to the highest rate balances. Other restrictions or conditions may apply. You may not pay off any of your current LFCU loans or lines of credit by using this balance transfer option. Offer expires December 31, 2024. LFCU is an Equal Opportunity Lender.


If you have any questions, please contact us during normal business hours.

  • Email:
  • Phone: (717) 272-2210
    • Option 5 – Information on an existing account, loan, or to make a loan payment
    • Option 6 – To apply for a new loan or request information on a new loan
    • Option 7 –  To open a new account
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