Balance Transfer Special | HOCU
Balance Transfer Special

Rise to a
brighter rate

Transfer your balances to a HOCU Visa Credit Card and enjoy our 0% APR* promo rate through the September 2027 billing cycle with a 0.99% balance transfer fee. Rate reverts to 6.99%–14.75% APR* after the promo period.

START A TRANSFER HOW IT WORKS
0 % Promo
APR*
Through September 2027
Billing Cycle

How to apply for a balance transfer

1

Apply

Online at myhocu.com or at any branch.

›
2

Transfer

Bring as many balances as you like onto one card.

›
3

Pay it down

No interest through the September 2027 billing cycle.

0.99%
Fee for each balance transfer
$25,000
Qualify up to
$0
Annual fee

Pick your starting point

New and current cardholders are both eligible for this offer.

I have a HOCU Visa Credit Card

Request your transfer online or at any branch and start the 0% APR* period the day it posts.

  • ›Transfer as many balances as you like
  • ›.99% balance transfer fee, up to $25,000
  • ›Interest-free through the September 2027 billing cycle
REQUEST A TRANSFER

I don’t have one yet

Apply online or in-branch. Once your Visa credit card is opened, your balance transfer will be processed.

  • ›No annual fee, ever
  • ›HOCU membership opens with your application
  • ›Same 0% APR* offer once your credit card is opened
APPLY FOR A CARD

Balance Transfer FAQs

Still have questions? A HOCU team member can walk you through it at any branch, or call 808-777-5646.

New and current cardholders are both eligible. HOCU membership is required, and credit card approval is based on creditworthiness and other qualifications.

You can qualify for balance transfers up to $25,000, and you can bring as many balances as you like onto one card.

There is a 0.99% fee for each balance transfer, and no annual fee on the card.

Transfers requested October 1 through December 31, 2026 receive 0% promotional APR through the September 2027 billing cycle. After that, any unpaid balance reverts to the current balance transfer APR, between 6.99% and 14.75%, based upon your creditworthiness.

No. Balance transfers may not be used on existing HOCU loans.

Yes. Apply online at myhocu.com or in-branch. You can do a balance transfer once your Visa credit card is opened, as long as your request is received by December 31, 2026.

Ready to apply?

Already carry a HOCU Visa? Request your transfer. Just getting started with us? Apply for the card and transfer when it arrives.

REQUEST A TRANSFER APPLY FOR A CARD

*APR – Annual Percentage Rate. Offer valid October 1, 2026 – December 31, 2026. Requests for balance transfers must be received by December 31, 2026. Balance transfers may not be used on existing HOCU loans. 0% Promotional APR for Balance Transfers through the September 2027 billing cycle, any unpaid balance will revert to the current APR for Balance Transfers, between 6.99%-14.75% APR, based upon your creditworthiness. New and current cardholders eligible. New cardholders are eligible for the Balance Transfer Promotion after they receive their new Visa card. HOCU membership required. Credit card approval based on creditworthiness and other qualifications. Promotion, rates, terms and conditions are subject to change without notice.

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