Balance Transfer Offers

Transfer your high-rate credit card balances and receive a bonus of up to $500!

For a limited time, transfer balances from your other credit cards to a Central One Diamond or Diamond Plus Cash card and receive 0% Introductory APR on the balance transfer for 6 months, then a rate as low as 10.49 % APR*. 

Plus, we'll reward you by crediting 2% of the balance transfer amount back as a bonus, deposited into your Central One checking account, up to $500!

See branch for details. Some restrictions apply.

Don't have a VISA Diamond credit card?

Apply today!

Why make the switch?

No Transfer Fee
No additional processing fees will be assessed.

No Annual Fee 
We help you save money by offering no annual fee.

Save with a LOW annual percentage rate
0% APR on the Balance Transfer for 6 Months, the  Rates as low as 10.49 % APR*

Treat yourself to a vacation or special purchase with the money we'll give you!
We'll give you 2% of your transfer back as a reward, deposited into your Central One checking account, up to $500!

Stay Secure and Worry-Free 
Credit cards with built-in chip technology are now available to help keep you protected.

Get the Credit You Need 
You can transfer up to 75% of card's credit limit, minus the current balance. If your transfer will exceed your credit line, you can apply for a credit line increase by phone or by visiting a full-service branch.

About the Visa Diamond and Diamond Rewards Card

At Central One, we believe you deserve a card that works for you. The Central One Visa Diamond and Diamond Plus Cash cards offer no balance transfer fees and no unpleasant surprises.

  • No balance transfer fee
  • Same rate on both purchases and cash advances
  • No annual fees
  • Rate as low as 10.49 % APR* on the Visa Diamond card and 12.74 % APR* on the Visa Diamond Plus Cash rewards card**

Learn more about the Central One credit cards by visiting our Credit Card page.

To start the balance transfer:

ATTN: 0% Balance Transfer
Central One Federal Credit Union
P.O. Box 280
Shrewsbury, MA 01545 

Don't have a VISA Diamond credit card?

Apply today!

*Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See application for full details. Central One Federal Credit Union membership is required. 

**Cash back rewards are deposited directly into your Central One account. Balance transfers are not eligible for cash back bonuses.

Balance Transfer Promotion Disclosure: Maximum balance transfer is 75% of your total credit limit less existing balances. Bonus applies to first 2 balance transfers and is capped at $500 per account. 0% APR for 6 months applies only to first balance transfer. Subsequent transfers receive 0% APR until end of the initial 6 months. After 6 months, your card’s variable APR applies. Finance charges will accrue on balances other than transferred balance. Balance transfer may take up to 45 days to complete. You are responsible to pay any minimum balances to prevent fees from being incurred. Central One does not reimburse fees from other credit card providers. See branch for details or call 800-527-1017. Promotion ends 5/31/2018.