Credit Card Balance Transfer

The BEST credit card balance transfer for paying off debt.

We built our credit cards to help members ditch high-interest debt, build credit, and breathe life into their financial goals. 

Are you ready to pay down your credit card debt?

Claim Sierra’s Balance Transfer Offer:

Access 1% APR* for 6 Months!


  • No Balance Transfer Fee
  • No Annual Fee
  • Low Regular Rates
Woman working on a laptop at home, stressed out

“Holy amazing! We have worked with many other lenders and Sierra Pacific is by far the best to deal with… Let’s face it, not all gym memberships pay off…but I assure you this membership will!”

Megan K

Pay Off Credit Card Debt Faster

What does it mean to have just 1% APR* on your card balance?

It means the payments you make actually PAY DOWN YOUR DEBT instead of being sucked up by interest charges. 

It means every payment goes further toward GETTING OUT OF DEBT.

It means paying the big banks less and investing more in yourself.


Jan 2024 BT Comparison chart, interest

Other card:

  • Total Amount Paid: $3,600.00
  • Total Interest Paid: $2,910.22
  • Total Balance Paid: $689.78
  • Total Balance Remaining: $9,310.22

Sierra Card: 

  • Total Amount Paid: $3,600
  • Total Interest Paid: $83.91
  • Total Balance Paid: $3516.09
  • Total Balance Remaining: $6483.91

We saved members over $75,000 with this offer last year. Find out how much we can save you. 

No Tricks, NO Balance Transfer Fee!

Other institutions may offer balance transfers, but then they stick you with a 3 to 5% balance transfer fee! We do things a little better around here. No balance transfer fees, and no annual fee on your credit card, either. 

“I know Sierra Pacific has my financial well-being at the core of what they do and suggest.” – W.F.


Their Balance Transfer Fee 


Sierra’s Balance Transfer Fee


Fee for a $10,000 balance transfer and a 5% balance transfer fee – based on the industry standard 

2024 Budget Breathing Room

With less going to interest every month, you’re free to focus your monthly budget wherever it’s needed most. Less stress, easier paydays. 

“Having personal bankers and knowing who is handling our money is so nice & super rare in today’s age!” – Casey G.

A Low-Rate Credit Card for Life

This credit card isn’t just good for balance transfers. With one of the lowest regular rates in America, Sierra’s Alumni and Visa Platinum credit cards are a reliable, low-cost option to help you build credit, make purchases, and keep your interest payments low for the long run.  

“Your staff is great. They make you feel like a friend and take care of things right away. After being with Wells Fargo for over 20 years you’re a breath of fresh air.” – Sherry S.

Ready to Take the Next Step? 

Give us a few details below to get started on your balance transfer. 

*APR = Annual Percentage Rate. One percent interest applies for 12 months on balances transferred from another institution’s credit card. After 1 year, remaining balances are subject to regular rate. Regular rates from 8.99% APR to 14.99% APR, based on creditworthiness and subject to change. Purchases are subject to regular rate. Limit of one active balance transfer at a time with Sierra Pacific Federal Credit Union. Sierra Pacific FCU reserves the right to amend or end this promotion at any time. See credit union for details. Federally insured by NCUA.