Credit Cards See more links in this section Credit Card ComparisonCardholder Resources Get started on the road to using your credit wisely. Learn more Find out how long it will take you to payoff an existing credit card. Calculate Get started on the road to using your credit wisely. Learn more Find out how long it will take you to payoff an existing credit card. Calculate *Conditions of Offer: You must be a VACU member in good standing; not all members qualify for this offer. Which promotional APR for Balance Transfers that a qualified member receives, is based upon the member’s standard APR for Balance Transfers. Balances transferred from other lenders from 10/1/18 to 12/31/18 retain a promotional APR for eighteen months from the posting date. After that, the APR changes to the Balance Transfer APR then in effect, which is currently 10.74%-21.74% APR as of 10/1/2018. We will begin charging interest on balance transfers on the transaction date. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU reserves the right to decline any balance transfer request. Refer to VACU’s Credit Card Disclosure Statement for more information.