0%APR*
On all balance transfers for 6 months with no transfer fees on all credit cards.

We can lighten your credit card concerns.

Your advocate understands that your credit card balances are probably heavy due to holiday purchases. That's why we're offering the member benefit of 0% APR* for 6 months when you transfer balances to any Proponent Credit Card with no transfer fees. 

Speak with an advocate at 800.457.8058 to make a balance transfer. 

Visa Signature

Experience all of the benefits of a Visa Signature Card with 0% APR on purchases and balance transfers** for 6 months, plus 2X rewards points when you spend $1,000+ per month.

Proponent Visa

Enjoy 0% APR on balance transfers* and earn 1 point for every $1 you spend.

Compare Cards

Features & Benefits Visa Signature Proponent Visa
Intro 0% APR  
No Annual Fee
ProRewards
Personal Concierge  
Fraud protection
Auto Rental Coverage
Cell Phone Protection  
Trip Cancellation  
No Foreign Transaction Fees  
Price Protection  
Warranty Manager Service  
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Tips for carrying a balance

Proponent's credit cards are perfect for members who carry a balance.  Our rates stay low after the 6 month 0% introductory rate or balance transfer promotional period. Let’s take a look at how that compares to cards outside of Proponent.

  Proponent Signature after 6 mos. intro Proponent Visa Non-Proponent Cards
APR As low as 12.00% As low as 9.00% As low as 18.00%
Interest paid on $2,500 balance1 $3,214 (65 payments) $2,980 (60 payments) $4,656 (94 payments)
Interest paid on $5,000 balance2 $6,427 (65 payments) $5,960 (60 payments) $9,311 (94 payments)

If you have a 0% introductory rate card outside of Proponent, be sure to keep track of when your rate will increase, how much it will increase, and transfer balances to a lower rate card.

*APR = Annual Percentage Rate. The 0.00% rate for Balance Transfers will be in effect for the first 6 months after the transfer is conducted. Balance Transfer amount must be less than your available revolving credit limit. Minimum monthly payments still apply. When balance transfer period ends, APR will adjust to the fully indexed interest rate in effect at that time. Payments received during the promotional period will be applied to outstanding balance. Promotional rate is only valid for external balance transfers. APR and credit limit may vary due to an individual's credit worthiness. All Balance Transfers must be processed by end of business on February 28, 2018. Promotion lenghth is at the discretion of the Credit Union and subject to change.

**APR = Annual Percentage Rate. The 0.00% Introductory Rate for Purchases and Balance Transfers will be in effect for the first 6 months after the card is opened. Minimum monthly payments still apply. When introductory period ends, APR will adjust to the fully indexed interest rate in effect at that time. Payments received during the promotional period will be applied to outstanding balance. Promotional rate is only valid for newly opened Proponent VISA Signature Cards. APR and credit limit may vary due to an individual’s credit worthiness. Promotion length is at the discretion of the Credit Union and subject to change.

1With minimum monthly payment of $50

2With minimum monthly payment of $100

Need to discuss with an advocate?
We’re here to listen at 800.457.8058.