Young man holding mobile phone and credit/debit card outdoors

Transfer Your Balance

Transfer your balance and save!

When you transfer your high-rate credit card balance to a First Heritage Visa® Classic or Visa® Platinum you could save with a 12 month introductory rate of 1.99% APR*.

Even after the introductory period, our rates remain low. Choose from our Visa Platinum card and earn rewards while enjoying 13.00% APR or our Visa Classic with a low fixed rate of 13.25% APR. Use our calculator to estimate how much you would save by transferring your balance!
We make transferring your balance to First Heritage easy! You can Transfer your balance for FREE and its convenient when you request a balance transfer online.
Don't have a credit card with First Heritage? No problem! You can visit any branch, call 800-833-3338, or apply online for a low-interest credit card with no annual fee!
*APR = Annual Percentage Rate. Balance transfer rate of 1.99% effective for 12 months. Rate will revert to a variable APR of prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic once the promotional period has ended. Current APR for purchases and cash advances is prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic. Rates accurate as of 10/01/2023. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The foreign transaction fee is 1% of the transaction amount. Limit: four balance transfers per 12-month period. New money only. Membership eligibility required. Subject to approval.