Escape High Interest. Save with a 3.99% APR Balance Transfer.
Turn High-Interest Credit Card Debt into a Lower Monthly Payment
Carrying balances on high-interest credit cards? Move your balances to a Tampa Bay Federal credit card and enjoy a low 3.99% APR for 6 months on qualifying balance transfers. Whether you’re looking to simplify payments, save on interest, or pay down debt faster, a balance transfer can help you take control of your finances.
Why Transfer Your Balance?
- Low 3.99% APR* for 6 months on qualifying balance transfers
- Consolidate multiple balances into one payment
- Easy application and transfer process
The promotional 3.99% APR* is available on qualifying balance transfers made to new and existing Tampa Bay Federal Rewards Platinum or Platinum Credit Card from July 1, 2026 through August 29, 2026.
Or, if you already have a Tampa Bay Federal Credit Card, log into Online Banking and select "Credit Card Services" > Open Menu for "Manage Credit Card" > "Balance Transfer".
Don’t let high-interest debt weigh you down. Transfer your balance today and start saving.
*A promotional Annual Percentage Rate (APR) of 3.99% will apply to qualifying balance transfers made between July 1, 2026 and August 29, 2026. The promotional APR will remain in effect for six months from the date each qualifying balance transfer posts to your account.
Both new and existing cardholders are eligible for the 3.99% APR balance transfer promotion. Balance transfers can be applied to either a Rewards Platinum or Platinum credit card. This offer is not eligible for Platinum Secured credit cards.
This offer applies only to balances transferred from creditors other than TBFCU. Existing TBFCU balances and loans are not eligible for this promotional offer.
A $10 balance transfer fee will be assessed for each balance transfer transaction. The total amount of balance transfers may not exceed your available
credit limit.
Balance transfers do not automatically close your account with another creditor. You are responsible for contacting your other financial institution directly if you wish to close your account. TBFCU is not responsible for delayed, misdirected, or lost payments to other creditors. Interest begins accruing on balance transfers on the transaction posting date in accordance with your Credit Card Agreement. After the promotional period expires, the standard variable APR disclosed in your Credit Card Agreement will apply to any remaining balance and future transactions. All balance transfers are subject to approval. TBFCU reserves the right to decline any balance transfer request. Subject to credit approval. Other restrictions may apply.