Help / Credit Cards Credit Card Balance Transfer Save with a balance transfer! Pay less in interest over time by transferring balances from higher-rate credit cards and loans with other lenders to your VACU credit card. Take control of your credit by requesting a balance transfer in online banking.? Not sure if a balance transfer is right for you? Read 6 Things to Know About Balance Transfers. How to request a balance transfer online: 1. Log into online banking (via desktop or the VACU Mobile app), and select your credit card on the home screen. 2. Go to "Details & Settings." 3. Scroll to "Request a Balance Transfer" from the options listed to get started. Go to online banking Don't have a VACU credit card yet? Find the right card for your balance transfer. Compare cards