Don't be chained to high credit card rates – let Financial Plus Credit Union rescue you with VISA Balance Transfer! Apply for a FPCU VISA Balance Transfer, and receive 0% APR* on all balance transfers completed by April 30, 2018. Also, take advantage of these benefits when you receive your new Financial Plus VISA Platinum credit card:

  • Receive up to $1,000 annually with 1% CASH BACK on all new purchases**
  • No annual fee
  • Low rates
  • Instant issue: we print your new credit card at the branch right away!††

View our Balance Transfer Form, download an application, or stop into any of our 7 branches to apply today!


*APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness. The current promotional APR is fixed at 0.00% on all balance transfers completed by 4/30/18. A 2.00% balance transfer fee or $5.00 fee is applicable, whichever is greater. The promotional APR is good through the billing cycle ending 4/30/19. After this date the APR will be 11.50%, 15.50%, or 18.00%. As of 1/1/18 the current variable Cash Advance APR is 11.50%, 15.50%, or 18.00% and the current variable APR for purchases is 8.50%, 11.50%, or 15.50%. All APRs are based on your creditworthiness and will vary with the market based on the Prime Rate. Rates, terms and conditions are subject to change without notice. There is an International Transaction Fee of 3% in US dollars for all international transactions. Equal opportunity lender. All loans are subject to approval.
**You may earn up to $1,000 Plus Rewards Cash Back per calendar year. Rewards redemptions equating to $600 or more, may be subject to taxation and issued a 1099-MISC. Please consult your tax advisor. Reward dollars expire at end of monthly billing cycle four years after they are earned. Rewards are earned each month and your total accumulated dollars are reported monthly on your Financial Plus VISA statement. Upon closure of VISA Credit Card account, all Reward dollars will be void and ineligible for redemption.
†Rates, terms, and conditions are subject to change and may vary based on creditworthiness. Penalty fees: Late Payment Fee - up to $27; Returned Payment Fee - up to $27.  The Penalty APR - 18% if you fail to make a payment within 60 days of the due date, or if you make a payment that is returned. Equal opportunity lender. All loans subject to approval.
††Nominal fee for replacement of lost/damaged card (refer to fee schedule). Instant issue not available at Howell office.