Balance Transfer Offers at Texas Trust Credit Union

If you received a Balance Transfer offer in the mail, your special rate is loaded and ready for you to transfer higher-interest balances, consolidate debt or use it for anything you need. There are three ways to take advantage of your offer:

  1. Visit any Texas Trust branch and a teller can perform a cash advance or issue you courtesy checks, which can then be used to pay off your other accounts.
  2. Call us at (972) 263-5171 and a representative can transfer your promotional rate funds to a checking or savings account, which you can then use to pay your other accounts.
  3. Perform a balance transfer between your credit card and your checking account and use Online Bill Pay to pay your other accounts.

Best of all, your promotional rate is already preloaded and will be applied automatically. So there's nothing else you have to do.

Do I qualify for the Balance Transfer promotion?

Yes. All existing Texas Trust Credit Card holders are eligible, as long as any other promotional periods have expired. Not applicable to a new card holders within thier introductory period (6 months). 

What types of balances can I transfer?

You can transfer balances to pay any credit cards, personal loans, auto loans or home equity loans from lenders other than us, as well as gas cards, retail and department store cards.

After I transfer a balance, do I need to continue to make payments to the other lender? 

Yes, make payments to your other lender until you see the transfer show up on our statement. And if you want to completely close your other account, you should contact the lender directly.

If I transfer a balance at the promotional rate, and I have other balances at my standard rate, how are my payments applied?

Payments above your Minimum Payment Due will be applied to your highest-rate balance first. 

What happens if I don’t pay off the entire balance by the time the low-rate offers expire?

If you make a Balance Transfer, unpaid balances at the end of the promotional period will be charged your card’s non-promotional Annual Percentage Rate (APR) for balance transfers. 

What information will I need if I want to make a Balance Transfer?

You will need the account number, name and payment address of the account you want to pay off, as well as the amount. 

Is there a way I can avoid paying interest on new purchases after transferring a balance?

To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later (transaction date).