Limited Time Offer
Pay down your credit card debt faster with a balance transfer from South Metro FCU.
♥ Zero balance transfer fee. Zero annual fee.
♥ Promotional 2.10% APR* rate applies to qualiﬁed transfer balances for 12 months. After that, the standard rate will apply.
We offer various credit cards to use easily and securely.
Start Here/Start Here Secured
Start Here to build or rebuild your credit
Cards are available either unsecured or secured
Earn rewards or 1% cash back on purchases
Easy redemption of Cash, certificates or merchandise from UChoose Rewards®.
Low introductory rate
Save with a 0% APR on purchases made in the first 90 days for 15 months.**
All of our VISA Credit Cards Offer:
- No Annual Fee
- Online and Mobile Account Management
- Competitive Rate
- EMV Chip Security
- No Balance Transfer Fee
*APR = Annual Percentage Rate. Introductory rate of 2.10% APR is valid on balance transfers from other ﬁnancial institutions, credit card companies, or department store cards and processed between February 1, 2021 and March 31, 2021 to our Start Here Classic, Gold Rewards, and Platinum Preferred (no rewards) card programs. Your rate is based on your credit worthiness. This rate does not apply to make payments toward amounts you owe SMFCU. The promotional rate will remain in effect for 12 months from the date of the balance transfer transaction. After which, the APR will return to the regular rate and monthly periodic rate as speciﬁed in the Card Agreement. Each balance transfer will be treated as a cash advance as described in your Credit Card Agreement, and will begin to accrue ﬁnance charges from the date it is posted to your account, and is subject to credit availability. Continue to make payments on your other accounts until you have conﬁrmed this balance transfer has been received. Not offered for business cards, secure cards or accounts converted over at the time of the conversion.
**APR = Annual Percentage Rate. The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 3.9% and 9.9% based on your credit proﬁle. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the ﬁrst day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.
Routing #: 091981646 | NMLS ID # 1059389
WEBSITE ACCESSIBILITY NOTICE
We at South Metro Federal Credit Union are committed to the digital inclusion and providing a website that is accessible to the widest possible audience in accordance with certain standards and guidelines. We are striving consistently to conform to WCAG 2.0 Level AA of accessibility. If you run into any barriers, please reach out to us at 952-445-0888 or MemberServices@SouthMet.com.