VISA Balance Transfer




7.99% to 15.74% variable APR after promotional period. 

Save on Interest. Pay Off Debt. Lower your Monthly Bill.

annual fees

transfer fees





Give yourself a head start on paying down your debt or free up money in your monthly budget by paying 0% APR for 12 billing cycles.

Unlike many balance transfer offers, you pay no transfer fees. Because the idea is to pay down your debt—not add to it.

Salal Classic or Rewards Visa have no annual fees. But hey, if you enjoy annual fees, feel free to stick with one of those big national banks.

Start Saving Money Today

Speak to a financial expert

Apply at any Salal branch

Get started online

Call 800.562.5515 

(M-F: 9:30 a.m.–5:30 p.m. PT,

Sat: 10 a.m.– 2 p.m. PT)

Already Have a Salal Classic or Rewards Visa?

As a member with a Salal Classic or Rewards card, you can get started by filling out and submitting this form. You can also get a form by calling 800.562.5515 or stopping by any Salal branch

*APR=Annual Percentage Rate. Salal loans are subject to credit approval. Balance transfer promotion only valid on Salal Classic and Rewards Visa. Length of promotional period will be 0% APR for 12 billing cycles from date of last balance transfer. Promotional APR available for new balance transfers only and applies to transfers made between November 16, 2021 - January 31, 2022. After the promotional period ends, the standard variable APR will be applied to unpaid promotional balances. The standard variable APR is between 7.99% to 15.74% for our Classic card and 9.99% to 13.49% for our Rewards card. APR is determined when you open your account and is based upon your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Fees include: Cash advance—3% of advanced amount ($10 minimum); Foreign transaction—Classic 3%/Rewards 1% of each transaction in U.S. dollars. To avoid paying interest on new purchases, the entire account balance (including any promotional balance) must be paid in full each month by the payment due date. Information is current as of November 16, 2021 and is subject to change without notice. Offer excludes balances on existing Salal credit cards or loans. Salal Visa Rewards Points not earned on balance transfer amount during the promotional period. Additional limitations, terms, and conditions apply.