At Members First Credit Union of Florida, we believe financial well-being starts with giving our members the right tools to succeed. If high-interest credit card debt is holding you back, you're not alone. Many families across our community are feeling the pressure of rising costs and interest rates, and it can be frustrating to feel like your payments aren't making a dent. The good news is, you don't have to face it without support. Members First is here to help you take control and move forward with a plan that works for you. That's why we're offering a 4.99% APR balance transfer for up to 24 months from February 1 - April 30, 2026. It's a smarter, more affordable way to pay down debt and take meaningful steps toward financial freedom.
Why High-Interest Debt Can Slow You Down
Credit cards with high interest rates can make it difficult to see progress—even when you're making regular payments. Each month, a significant portion of what you pay may be going toward interest rather than reducing what you owe.
Over time, that can mean:
- Paying much more than you originally charged
- Feeling stuck despite consistent payments
- Delayed savings and financial goals
Lowering your interest rate can make a big difference—and that's where a balance transfer comes in.
What is a Balance Transfer?
A balance transfer allows you to move eligible debt from higher-interest credit cards to a lower-interest card. By consolidating balances with a reduced rate, you may lower your monthly interest charges and pay off your debt faster.
With a Members First Credit Union of Florida low-interest credit card, you can enjoy:
- 4.99% APR for up to 24 months
- One convenient monthly payment
- More of your payment going toward your balance—not interest
How a 4.99% APR Can Help You Save
When your interest rate is lower, your money works harder for you. With less interest accruing, you can build momentum and gain confidence as you see your balance decrease.
Members who take advantage of a low-interest balance transfer may be able to:
- Pay off debt faster
- Save money over time
- Simplify multiple credit card payments
- Reduce financial stress
At Members First, our goal is to help our members keep more of their hard-earned money.
Is a Balance Transfer Right for You?
A balance transfer may be a good option if you:
- Carry a balance on high-interest credit cards
- Want to consolidate debt into one manageable payment
- Are committed to paying down debt during the promotional period
- Prefer a clear plan for improving your financial health
As always, making on-time payments and avoiding additional debt can help you get the most from your balance transfer.
Your Financial Partner—Every Step of the Way
Members First Credit Union of Florida isn’t just a place to bank—we're a financial partner invested in our members' success. Opportunities like our 4.99% APR balance transfer for up to 24 months are designed to support healthier financial habits and long-term stability.
Finding the right solution for your debt doesn’t have to be complicated. With the right rate and the right guidance, progress is possible.
Ready to Make the Match?
Apply for a Members First credit card today or fill out our balance transfer application to see how our limited time 4.99% balance transfer for 24 months can help you save and pay off debt faster.
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