Best Credit Union Balance Transfer Offers (2025): No Fee & Low APR

Switching your credit card debt to a low- or no-fee credit union offer can be a smart way to save. Here are some of the top balance transfer options available right now from credit unions that almost anyone can join.

🏦 Altra Federal Credit Union

• Offer: Fixed 8.99% (or up to 12.99% based on card tier) on transfers—fixed for life of transfer 
• Fee: $0 balance transfer fee 
• Who Can Join: Anyone who donates to their associated foundation, or residents of parts of Wisconsin and Minnesota

🏦 Chartway Credit Union – 2.99% APR for 12 Months + No Fee

• Offer: 2.99% APR on balance transfers for 12 months after account opening, no transfer fee 
• Ongoing APR: Prime‑based, up to ~17.89% 
• Fee: $0 fee during promotional period—after 90 days, still no fee 
• Who Can Join: Anyone who donates through their foundation, residents of VA, TX, MD, VA, NC, and OR; employees of select organizations; family of members.

🏦 FourLeaf Federal Credit Union

• Offer: 2.99%–4.99% APR for 12 months on balance transfers (based on creditworthiness)
• Ongoing APR: 12.4%–18% variable
• Transfer Fee: $0
• Who Qualifies: Anyone nationwide—just open a $5 savings account to join

🏦 University Federal Credit Union (UFCU) – $0 Fee + Low Ongoing APR

• Offer: $0 balance transfer fee; promotional APR depends on available offers 
• Ongoing APR: Example card “Great Rate Visa”—9.49% APR 
• Fee: No fee 
• Who Can Join: Anyone who lives, works or attends school in Michigan (especially Ann Arbor region), or is affiliated with the University.

🏦 Digital Federal Credit Union (DCU) – 0% Intro APR + No Fee

• Offer: Varies; offers like 0% for 6–18 months to existing cardholders 
• Ongoing APR: 12.75%–15.50% (depending on card) 
• Fee: $0 
• Who Qualifies: Membership open nationwide; originally New England employees/students, now coast-to-coast access 

🏦 Fairwinds Credit Union

Intro APR: 0% on purchases and balance transfers for 12 months on Cash Back Visa 

Ongoing APR: 14.49%–18.00% variable

Fee: $0 

Who Qualifies: Residents of Central Florida (Orlando-area and UCF community), or individuals who donate to their associated foundation

🏦 Lafayette Federal Credit Union – Low Rate + No Fee

• Offer: Ongoing low APR (~4.79%) on balance transfers + no transfer fee 
• Fee: $0
• Who Can Join: Anyone who donates to their foundation, residents in parts of MD, DC, certain employee groups.

How to Choose and Get Started

1. Check membership eligibility. Each CU has its own rules—some allow family or fee-based memberships.
2. Compare APRs and durations. Think about how long you'll need to pay off your balance. A longer intro period or lower ongoing APR both matter.
3. Confirm the fee structure. Many CUs here offer $0 transfer fees—an advantage over typical credit cards.
4. Apply & transfer. Once approved, follow the CU’s balance transfer steps (online or via form). Then stick to a payoff schedule.

The Bottom Line.

Credit union balance transfer offers are a hidden gem for debt-conscious consumers: low rates, no fees, and member-friendly terms. They work best when you:

• Qualify for membership
• Plan to pay off balances within promo or quickly afterward
• Pair the transfer with disciplined budgeting

Want help choosing or managing one of these CU offers? Debbie is here to support every step—helping you build momentum and pay down debt with confidence.

Meet Debbie 💚

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Advertiser Disclosure: Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how they appear on a page. However, our opinions are our own. Here’s a list of our partners.

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