Introducing 0% APR* on all credit card balance transfers

  • Transfer your balance for free. Most credit cards charge 3-5%, but at GCEFCU it is free – saving you hundreds of dollars!
  • 0% APR* six month intro rate on all balance transfers, with an 8.99% – 18.00% APR* after that.
  • Classic and Rewards credit cards available.
  • No annual fee.
  • No fee on cash advances done at GCEFCU branches.
  • Will show up in online banking with no need to log into a different system
  • Transfer funds online to the credit card account to make payments
  • Compatible with Apple Pay, Samsung Pay, and Android Pay for added convenience

Offer ends March 31, 2019!


Get Started

To get started with transferring your credit card balance, check out the options below to see which one best fits your needs.

I don’t have a GCEFCU Credit Card

If you do not already have a GCEFCU credit card, you will first need to apply for one by clicking the Apply Now button. Be sure to let your loan officer know that you would like to transfer an existing balance!

I already have a GCEFCU Credit Card

If you already have a GCEFCU credit card and have enough available balance to transfer more funds, you can get started by filling out the Transfer My Balance form below. If you do not have enough available, you will first need to request a balance increase by clicking the Balance Increase button.


Transfer My Balance

Credit Card Balance Transfer Request

Use this form to request a no fee balance transfer from another credit card to your Gulf Coast Educators Visa Credit Most requests will be processed in 3-5 business days. You will receive an e-mail confirmation that your request has been processed. Only use this form if you are authorized on the other credit card. Please keep in mind that due to timing and interest, you may be responsible for making a payment on the card you want to transfer.
  • Credit Card Information

    Please use a statement from your other credit card to complete this section. Please double check and verify all information as the credit union is not responsible for payoffs not completed due to user errors. If you have multiple card balances that you want to transfer, please complete a new form for each requested balance transfer.
  • Credit Card Company Address * Required
    Please enter the address where you mail your payments.
  • Confirm Balance Transfer Request * Required
  • Please check the box to confirm you are not a robot.

*APR=Annual Percentage Rate. Earn 0% APR* on all balance transfers to a GCEFCU credit card for six months, beginning from the date of your balance transfer. After six months, your rate will convert to a standard APR* of 8.99% – 18.00% APR* based on your credit score. This offer does not automatically approve you for a GCEFCU credit card. Offer expires March 31, 2019.
Credit Card Transaction Fees: Balance transfer – Free. Cash Advance – $5 or 1% of the amount of each cash advance, whichever is greater. No cash advance fee when done in GCEFCU branch. Foreign Transaction – 1% of each transaction in U.S. dollars.