Save money with a lower rate
Balance Transfer
Move high-interest balances to your lower-rate Mountain America credit card or home equity line of credit.
Save money with a balance transfer
Quickly transfer higher-rate debt to your Mountain America credit card¹ or home equity line of credit (HELOC)² with our handy balance transfer tool. It’s easy and there are no fees to transfer a balance.
Reasons to transfer a balance
- Lower your interest rate
- Consolidate debt from higher-rate loans and/or credit cards
- Pay off debt faster
- Switch to an account with better benefits
Next steps
Decide on the best option for you:
Transfer a balance to a Mountain America credit card
If you don’t have a Mountain America credit card yet, it’s quick and easy to apply online, through our mobile app or at a branch.¹Which card is best for you?
Whether you’re looking for low rates, rewards or cash back, Mountain America has a credit card to fit your style.
Transfer a balance to a home equity line of credit
Use the equity in your home to restructure your debt. By transferring a balance to a Mountain America HELOC, you can streamline multiple payments into a single monthly payment.²HELOCs generally offer lower rates than credit cards, so you may be able to save money by consolidating debt.
Prospective members
If you do not have a Mountain America account, become a member to transfer your balance.
Members
The easiest way to transfer a balance is through online banking or our mobile app. Watch the demo video below.
Balance transfer FAQs
What is a balance transfer?
A balance transfer is when you move debt from one credit account to another, usually to take advantage of lower interest rates.
How much can I transfer?
The maximum amount you can transfer is based on your credit limit. To get the exact amount you can transfer, call our service center at 1-800-748-4302 or visit a nearby branch.
How long does a balance transfer take?
A credit card balance transfer may take from one to 10 business days. HELOC balance transfers typically take from two to 10 business days but could take as long as 20 business days. The speed of these transfers depends on how quickly the other financial institution processes the request and whether they send the funds electronically or by mail.
2. 1% foreign transaction fee. Balance transfers and loan advances will accrue interest from the date the transaction is processed.
See balance transfer terms and conditions.
