Balance Transfer

Initiate a balance transfer to your existing Dupaco VISA by logging in to Shine Online Banking or calling Dupaco at 800-373-7600 / (563) 557-7600. If you don't have a Dupaco VISA yet, apply online today!

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While big banks might offer "free" tchotchkes like a toaster or panini press with your new credit card, you may get burned by high interest rates, balance transfer fees, slashed credit limits, and no grace periods before interest is charged on purchases. At Dupaco, you'll never pay a balance transfer fee nor will you pay an annual fee on your VISA, plus, you'll benefit from a low-interest, variable rate and local service, and these other perks.

 

Credit Card Rates

Current as of: 2/22/2017
Credit Card Annual Percentage Rate
VISA Balance Transfer Promotional Rate 3.90% APR on balance transfers 1/2/2017 thru 3/31/2017. After 6 months, the rate will be a low 9.50%-16.50% APR1
VISA Introductory Rate 5.99% APR2
VISA (Non-Promotional Rate) 9.50%-16.50% APR3
1VISA Balance Transfer Rate: The 3.90% balance transfer promotional rate is valid for balance transfers and cash advances that post between January 2, 2017, and March 31, 2017. The 3.90% annual percentage rate (APR) expires six months from the date of your first balance transfer or cash advance, at which time the APR will revert back to the APR established at time of account opening, which is a variable rate from 9.50% to 16.50% (rate accurate as of 12/16/16), based on your creditworthiness. Account must be in good standing to qualify. All VISA APRs will vary with the market based on the Prime Rate. There is a grace period on purchases, and no annual fees or participation fees. Other fees include: cash advance fee-$3 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee-1.00% of each transaction in US dollars; late payment fee is $15.00 or the minimum due, whichever is less if you are four (4) or more days late.; returned payment fee-up to $25.
2VISA Introductory Rate: 5.99% introductory annual percentage rate (APR), for qualified members, for 182 days from the issuance of the card. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After the introductory period your APR will be variable rate from 9.50% to 16.50%, based on your creditworthiness. VISA APR will vary with the market based on the Prime Rate. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee--$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $15.00; returned payment fee--up to $25.00.
3VISA Non-Promotional Rate: Annual percentage rate (APR) subject to change and may vary during the term of credit. The rate will be the Prime Rate as published in The Wall Street Journal on the last business day of each calendar quarter, plus margin. Margin to be determined by credit score at time of application. There is a grace period before interest is charged on purchases. There is no annual fee and no balance transfer fee. Other fees include: Cash advance fee--$3.00 or 1.50% of the amount of each cash advance, whichever is greater (maximum of $15); foreign transaction fee--1.00% of each transaction in US Dollars; late payment fee--up to $15.00; returned payment fee--up to $25.00.

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Comments (1)
Debt consolidation
Jeff J.
 • 309 days 6 hrs 21 mins 43 secs ago
Do you offer a credit card consolidation program?
 

Re: Debt consolidation
Dupaco Moderator
 • 308 days 16 hrs 49 mins 51 secs ago

Hi Jeff, we certainly do offer credit card consolidation. Please contact our loan department at 800-373-7600 / 563-557-7600, extension 202 or loans@dupaco.com. Thanks!

 

Debt consolidation
Jeff J.
 • 309 days 6 hrs 21 mins 43 secs ago
Do you offer a credit card consolidation program?
 

Re: Debt consolidation
Dupaco Moderator
 • 308 days 16 hrs 49 mins 51 secs ago

Hi Jeff, we certainly do offer credit card consolidation. Please contact our loan department at 800-373-7600 / 563-557-7600, extension 202 or loans@dupaco.com. Thanks!

 

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