Hiding From Your Debt!

    Our VISA Balance Transfer can take away your fears!

    VISA Rewards

    Transfer high rate credit card balances to an STJ Federal Credit Union Visa. Promotional balance transfer rates for balances transferred range from 5.99% to 10.99% APR based on creditworthiness.

    The promotional rate will be in effect from the time of the posting of the balance transfer to your card account until that specific balance transfer is paid in full. Any new purchases outside of the balance transfer request will be subject to the then-current variable APR as outlined in your card agreement. To calculate your balance: We use a method called “average daily balance (including new purchases).”

    Plus, there are no balance transfer fees - ever. Cash advances and balance transfers do not qualify to earn points. Offer not valid for STJ Credit Union Credit Card balances. You can view your billing cycle date and your regular APR on your credit card statement. All payments received on your account in excess of your minimum payment requirement will be applied first to the highest rate balances. Current rates range from 8.75% APR to 13.75% APR. All rates are effective as of July 1, 2021.

    Applicants with an existing STJ Credit Card, call 330.478.8400 or visit a branch.

    *APR=Annual Percentage Rate. Promotion ends Oct. 31, 2022. Other restrictions or conditions may apply. Allow at least 30 days for your creditor(s) to receive payment. You are obligated to make your monthly payment(s) until your creditor(s) receive the payment. STJ Credit Union is not responsible for any late payments, finance charges, or additional fees charged by your creditor.

    Don't have an STJ Visa Card? Apply for your credit card Today!

    Read the VISA® disclosure!

    Rate as low as 8.75% APR -- lower than most cards with rewards!

    • Earn points from gas purchases paid at the pump*
    • Earn points on supermarket purchases*
    • Earn points from all purchases** you make with the card during each billing cycle
    • Up to $7,000 credit limit
    • No Annual Fee