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0% APR Hero Image

0% APR* for 6 Months on Balance Transfers from Your High Interest Credit Card

No Annual Fees, No Balance Transfer Fees

Take advantage of this limited time offer to consolidate debt and lower your interest rates! Earn 0% APR* for 6 months by transferring your high interest credit card balance to one of our new credit cards. To be eligible for this promotion, you must be approved for either the Better Rate credit card or the Better Reward credit card.

To learn more about our two new credit card options, click here.  You can apply for one of our new credit cards at any time, but a balance transfer will require you speaking with a member service representative. Apply by:



*APR = Annual Percentage Rate.  After 6-month time period expires, the rate for the Better Rate credit card will be 7.5% - 17% and the rate for the Better Reward credit card will be 8.5% - 18%. Rate is subject to approval. Rate is subject to change and is based on creditworthiness. Must qualify for membership. Limited time offer, balance transfers must be completed by November 15, 2020. Promotional rate starts at date of 1st transfer. Promotion cannot be combined with any other offer, including member rewards points discounts. Promotion is available for either the Better Rate credit card or the Better Reward credit card program only. Balance transfer promotion of 0% is not available for balances transferred from one WMCU credit card to another WMCU credit card or any other WMCU loan balances. No balance transfer fee applicable with promotion. No annual fee. Cash back will not be earned on the Better Reward credit card for any balance transfers. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.

Other products:

Our two credit card options

Better Rate Credit Card

Better Rate Credit Card

Better Rate Features:

  • Rates as low as 7.5% APR*
  • $0 Annual Fee
Better Reward Credit Card

Better Reward Credit Card

Better Reward Features:

  • 1% Cash Rewards (Up to $200 per month**)
  • Rates as low as 8.5% APR**
  • $0 Annual Fee

*Rates as low as 7.5% APR (Annual Percentage Rate). Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership. **Rates as low as 8.5% APR (Annual Percentage Rate). Rate is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.

Working together as the most trusted resource to help our members' financial lives be simply better.