Request a Credit Card Balance Transfer

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Routing #: 296076013

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Our branches will close at 4:30 pm on Wednesday, November 4th, 2026. We will reopen at normal hours on Thursday, November 5th.

We apologize for any inconvenience this may cause. Our 24×7 call center, eBanking and mBanking will still be available.

Our branch offices will also be closed on Tuesday, November 11th in honor of Veterans Day.

Request a Credit Card Balance Transfer

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Request a Credit Card Balance Transfer

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Step 1 of 5 – Member Information

20%

Member Information

Name*

First Name Last Name

Daytime Phone #*

Email*

Birthdate*

Month

Day

Year

How many balances are you transferring?*

Member Number*

Last 5 Digits of SSN*

Your Street Address*

Street Address Address Line 2 City State ZIP Code

Balance Transfer Number 1

Please provide the following information on the first balance you wish to transfer.

Card Issuer*

Payment Address*

Street Address Address Line 2 City State ZIP Code

Support Phone #*

Amount to Pay ($)*

Please enter a number greater than or equal to 0.

Account to pay*

Confirm Account Number*

Balance Transfer Number 2

Please provide the following information on the second balance you wish to transfer.

Card Issuer*

Payment Address*

Street Address Address Line 2 City State ZIP Code

Support Phone #*

Amount to Pay ($)*

Please enter a number greater than or equal to 0.

Account to pay*

Confirm Account Number*

Balance Transfer Number 3

Please provide the following information on the third balance you wish to transfer.

Card Issuer*

Payment Address*

Street Address Address Line 2 City State ZIP Code

Support Phone #*

Amount to Pay ($)*

Please enter a number greater than or equal to 0.

Account to pay*

Confirm Account Number*

Total Amount of Requested Balance Transfer

Transfer Agreement Terms & Conditions*

I agree to the following terms:

Along with these Terms and Conditions, I understand balance transfers are subject to the terms and conditions, including applicable fees, as previously disclosed in my Credit Card Agreement.

I understand that balance transfers are contingent upon account setup and assigned credit, and that St. Paul Federal may not be able to process a balance transfer request if it exceeds my available credit limit.

St. Paul Federal will pay my balances in the order listed in the event that my credit limit does not allow for all Financial Institutions/Card Issuers to be paid.

I will need to continue to make my minimum required payment to these creditors until the requested transfer payment appears on the account’s billing statement, or I otherwise confirm the transfer.

I understand that it may take up to 4 weeks to process my balance transfer request.

Funds will be sent only to recognized creditors of financial institutions, and will not be sent to my home or billing address.

St. Paul Federal is not responsible for any remaining balance on these accounts, or for any finance or other charges I incur due to delays in transferring a balance.

If I request that you transfer an amount for a transaction I dispute, I may lose some or all of my rights against the creditor.

I understand that St. Paul Federal can pay my account directly, but that St. Paul Federal cannot close any account for me. If I wish to close any of these accounts, I must directly contact the creditor.

Consent*

I hereby authorize St. Paul Federal Credit Union to pay off the balance(s) due on the submitted credit card(s) by means of a Cash Advance charged to my St. Paul Federal Platinum Rewards Visa credit card.

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Member of the NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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*APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are deemed reliable, but not guaranteed. Please call the credit union with any questions you may have regarding rates. Rates can change at any time. Rates and terms are based on an individuals credit worthiness. Rates quoted are the lowest possible rates and reflect borrowers with exceptional credit history. All rates are based on term. All loans are subject to credit approval.