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Balance Transfer

Use your available credit to pay off loans or credit cards with higher interest rates. If you are holding on to a high credit card balance, it can negatively affect your credit while accruing high interest. The first step to paying down this debt faster is to transfer it to a card with a low rate. In the long run, this will help you make progress in paying it off sooner and save you the accumulating interest.

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Balance Transfers

Transfer high-interest debt to your Justice Federal VISA Credit Card.

ONLINE:

1. Log In to Digital Banking LOG IN

2. Select your Credit Card from Your Accounts and select the Card Services Tab.

3. Select Balance Transfer from the Card Services options.
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4. Complete the Payee information with address and full account information from your credit card or loan statement and a check will be sent directly to your lienholder/credit card. This same amount will be transferred to the balance on the credit card you select. Please note that you cannot request a balance transfer for an amount that is more than the available credit on your account. It takes approximately 10-14 business days for the check to be received.

By PHONE:

To request a Balance Transfer by phone, call 866.820.3036. You will need to have your Justice Federal VISA Credit Card, as well as the payee information for the card or loan you wish to transfer a balance from.

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Cash Advance

Use your Justice Federal VISA Card to withdraw cash when you need it.

Via ATM:

Use your Justice Federal VISA Credit Card and PIN at any ATM that processes VISA transactions. Subject to daily limits. Use our ATM Locator to find a Surcharge-Free ATM near you.

In PERSON:

You may request a cash advance at any financial institution that processes VISA transactions. Subject to daily limits. Use our Branch Locator to find a Justice Federal Branch near you.



VISA Platinum
VISA Signature
VISA Student
VISA FBINAA
VISA FBI-LEEDA
VISA SFSA-FBI
VISA NEIA
VISA COPS
VISA NSA
VISA AFNA
VISA ACA
VISA Blue Knights


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Legal Disclaimers & Information

*APR = Annual Percentage Rate. Offer as of December 11, 2025. Subject to credit approval. An introductory rate of 0% on purchases and a 2% introductory rate on balance transfers and cash advances will apply for the twelve-month period immediately following the date your account is established. For Purchases 0.00% Introductory APR for 12 months (except for any cardholders who have had a JFCU Credit Card within the last 3 years, and all Share Secured VISA accountholders). Credit card subject to the following: Balance transfer fee, cash advance fee or convenience check fee: either 2.00% of the advance or $10 whichever is greater ($100 maximum), Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Credit card has no annual fee, or transaction fee. To view the Credit Card Account Agreement and Federal Disclosure Statement visit www.jfcu.org or see a representative for details.