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Saving Season Has Begun
The new year is all about fresh starts, and your finances are no exception. After the holidays, it is common for credit card balances to stick around a little longer than planned. When interest starts adding up, it can feel overwhelming, but help does not have to be complicated.
A CoastHills Visa® credit card offers a simple way to reset. By transferring your balance from a high-rate credit card, you can lower your interest and start making progress again. Paying less in interest means more of your money can go toward what matters most to you.
Real savings, right from the start
Many credit cards charge a 3% to 5% fee just to transfer a balance. On a $10,000 transfer, that can mean up to $500 paid before you even begin to save.
At CoastHills, there is no balance transfer fee. That means more of your money stays with you, helping you pay down your balance instead of covering extra costs. When paired with a low introductory rate, those savings can add up faster than you might expect.
Want to see what that could look like for you?
Use our balance transfer calculator to estimate how much you could save by moving your balance and lowering your interest. A few quick numbers can help you see the difference before you get started.
What is a balance transfer, and how can it help?
A balance transfer lets you move debt from one credit card to another, often to take advantage of a lower interest rate. It is a simple option that can help you:
- Pay less in interest
- Pay down your balance faster
- Combine multiple card payments into one
It’s a small step that can make a big difference in your financial peace of mind.
Transfer your balance in four easy steps
- Log in to your mobile app or online banking
- Select your CoastHills Visa credit card
- Go to Account Services
- Choose "New Balance Transfer" and follow the prompts
Don’t have a CoastHills Visa credit card?
Apply today and take advantage of our 3.99% introductory APR1 on balance transfers for six months, with no transfer fee. You will also enjoy digital banking tools, fraud protection and rewards designed to make managing your finances easier.
Financial Wellness Center
Looking for extra support? Our Financial Wellness Center offers helpful resources, from budgeting tips to debt pay-down strategies, to help you build confidence and stay on track toward a stronger financial future.
By using this calculator, you agree to the following:
This calculator is provided for educational purposes only, and it does not provide information on any CoastHills Credit Union (CoastHills) products or offers. The calculator’s examples and results are illustrative, hypothetical information. CoastHills is not responsible for the content, results, or accuracy of the information on the calculators, either in general or for your specific circumstances.
This calculator is a self-help tool for your independent use, and it is not intended to provide legal, tax, or investment advice. The examples are not representative of any investment class or security. No guarantee explicit or implied is offered. You are encouraged to seek personalized advice from qualified professionals regarding all personal financial matters.
By using this calculator, you agree that you are not requesting information on any CoastHills product, including any loan, deposit, or any other financial product. CoastHills is not liable for any loss or damage whatsoever, which may be attributable to the use of this calculator.
1APR= Annual Percentage Rate. 3.99% intro APR for 6 months from the date of first transfer. Existing CoastHills Visa balances not eligible for balance transfer APR. After the intro APR expires, your APR will be calculated using: Prime Rate + Margin of 2.24% to 9.74%, based on your credit worthiness. Not to exceed 17.99%.