Young happy couple holding up a GTE credit card

Balance Transfer

Transfer Your Debt to a Low-Rate Credit Card

If you have existing credit cards with balances, consolidating them onto one card or simply transferring one card’s balance to a GTE credit card with a lower rate can save you money and bring you closer to financial freedom. A balance transfer with GTE works by paying off your existing credit cards and moving the balance on to a credit card with a lower rate. This saves you interest over time, which means you pay less interest on your debt! 


Lowering your interest rate through a balance transfer can save you a lot of money in the long term, and get you out of debt quicker!

GTE offers multiple credit cards with great rates and benefits. If you don’t currently have a credit card with GTE, the GTE Go To card has an extremely low rate, and an introductory offer to go with it. All balances transferred in the first 60 days of opening the GTE Go To card will have 0% APR for the first 12 months of your card. Financial freedom is finally at your fingertips!

Combine all of your credit card payments into one payment.

Balance transfers are simple! If you’re a current member, you can follow the steps below to complete one today! If you would rather complete the balance transfer by having a check issued you may call in to our Consumer Lending team to request this at 813.871.2690.

  1. Login to Online Banking
  2. Select 'Credit Card Balance Transfers' under 'Payments'
  3. Select the credit card you would like to transfer balances to and click next
  4. Complete the rest of the application process

Enjoy an Everyday Great Low Rate

Even after your balance transfer introductory period is over, you'll still enjoy one of the lowest credit card rates in the area!

As Low As
6.74% APR*
Go To Credit Card
*Rate will be based on your credit worthiness. Annual Percentage Rate as of March 11, 2020. Annual percentage rates, terms, and conditions subject to change. Please review our Credit Card (Regulation Z) Disclosure for terms and conditions or our Credit Card Agreement for full details. Federally insured by NCUA.


Need a Credit Line Increase?

If you need to increase your line of credit to move your balances over, you may follow these steps to apply for credit limit increase!

  1. Login to Online Banking
  2. Click 'Apply for a Loan'
  3. Complete an online credit card application
  4. Under 'Loan Type' select your current credit card and insert the dollar amount you would like to request

Questions? You can speak with a Consumer Lending Specialist over the phone to discuss if a balance transfer is the right financial decision for you at 813.871.2690.