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 if you can save on interest by moving higher rate credit cards to VACU. Calculate Get started on the road to using your credit wisely. Learn more Find out if you can save on interest by moving higher rate credit cards to VACU. 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 4/1/16 to 6/30/16 retain a promotional APR for two years from the posting date. After that, the APR changes to the Balance Transfer APR in effect which is currently 8.99%-10.99% APR as of 04/01/2016. 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 MasterCard and Cash Rewards MasterCard or VACU's Credit Card Disclosure Statement for Flex Rewards MasterCard for more information.