Balance Transfer
Make Your Debt Work Smarter, Not Harder. Transfer Your Balances to a BrightStar Credit Card
Still paying high interest on other credit cards? Move your balances to a BrightStar Credit Union credit card and take control with one low-rate card, fewer payments, and a smarter way to manage debt.
Why Transfer Your Balance to BrightStar?
Save Money on Interest
Enjoy lower rates than most major credit cards.
One Simple Payment
Consolidate multiple card balances into one easy monthly payment.
No Hidden Fees
Transparent terms with no surprises.
Faster Debt Payoff
More of your payment goes toward your principal—not interest.
Stress-Free Process
Quick, convenient, and can be requested fully online.
Don't Have a BrightStar Credit Card?
Apply now and start saving today.
Apply for a BrightStar Credit CardAlready a BrightStar Cardholder?
Submit Your Balance Transfer in a Few Steps
Log in to Online Banking from your desktop or the BrightStar Mobile Banking app.
From the navigation menu, go to Manage Cards → Card Services.
Select your card by clicking the card image or the Manage Card button.
Scroll down and find the Request a Balance Transfer section.
Click Balance Transfer and complete the online request form.
| Interest and Fee Information | |
|---|---|
| APR for Balance Transfers | Your APR will be your Variable Standard APR on your BrightStar Credit Card. This APR will vary with the market based on the Prime Rate*. |
| Balance Transfer Fee | None |
| Paying Interest | We will begin charging interest on balance transfers on the transaction date. |
*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in which the APR changes. Transfers and balance payoffs will not result in closure of your other credit cards/loans. You must notify the financial institution directly to request account closure. Transfers will NOT be initiated in excess of your credit limit. Any balance remaining with another financial institution after the balance transfer check is issued will be your responsibility. It is your responsibility to make minimum payments on your other credit cards/loans until the balance(s) have been transferred. All overpayments must be refunded by the other institution.
PRESCREEN AND OPT-OUT NOTICE
This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit in connection with any credit transaction that is not initiated by you, call the consumer reporting agencies toll-free 1-888-5-OPT-OUT or 1-888-567-8688 or by writing these agencies: Equifax Options P.O. Box 740123, Atlanta, Ga. 30374-1023 and Experian Information Solutions, Inc. P.O. Box 919, Allen, TX 75013; and Trans Union Name Opt-Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.