Balance Transfers

A simpler way to pay down high-interest debt

Ready for a financial reset?

We offer fee-free balance transfers on our Mastercard credit cards, along with our fixed rate of 11.9%* APR. Reset your finances today and pay down high-interest debt faster.

Transferring your outstanding balances to your MCU Mastercard credit card is simple!

Step 1: Apply

You can apply for a Montana Credit Union Mastercard® credit card online HERE, or visit any of our branch locations to meet with a loan officer.

Already have an MCU Mastercard® credit card? You can skip ahead to Step 2.

Step 2: Talk to a Loan Officer

Our Montana Credit Union loan officers are here to help you transfer balances from other cards to your new credit card. Stop by a branch or give us a call at (406) 727-2210.

*Balance transfers are made available at our discretion.

Step 3: Credit Limit

Be aware of your credit limit—the total amount of your balance transfer must be within your available credit limit, or any other limit we communicate to you.

Step 4: Payments

Continue to make any required minimum payment(s) to your creditors until you have confirmed your balance transfer has been completed. Your available credit will be reduced by the total amount transferred, including any applicable fees.

Once your balance transfer is completed, you can make payments to your MCU credit card through digital banking.

Questions About Our Credit Cards? Contact Us

Please use the convenient form below for general questions or comments. We promise to get back to you within 24 business hours. Note: Do not send sensitive information through our contact form or via email, since these modes of communication are not entirely secure.

MCU Mastercard Credit Card Terms & Conditions

Credit Card Terms & Conditions
	Pathway Credit Card	Basecamp Credit Card	Peak Rewards Credit Card
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Effective Date: The information about the costs of the cards described in this application is accurate as of April 1, 2026. This information may have changed after that date. To find out what may have changed, contact the credit union. Military Lending Act Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees or ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (800) 721-2242 to receive oral disclosure of the Military Lending Act disclosure and a description of the payment obligation. Other Disclosures: Late Payment Fee – $25 of the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Returned Payment Fee – $25 of the amount of the required minimum payment, whichever is less. Document Copy Fee – $6.00
Annual percentage rate (APR) for purchases	Pathway Credit Card 11.9%	Basecamp Credit Card 11.9%	Peak Rewards Credit Card 14.99 – 17.99%
APR for Balance Transfers	Pathway Credit Card 11.9%	Basecamp Credit Card 11.9%	Peak Rewards Credit Card 14.99 – 17.99%
APR for Cash Advances	Pathway Credit Card 11.9%	Basecamp Credit Card 11.9%	Peak Rewards Credit Card 14.99 – 17.99%
How to avoid paying interest on purchases	Pathway Credit Card Pay your entire balance by the due date each month. Your due date is 25 days after the close of each billing cycle.	Basecamp Credit Card Pay your entire balance by the due date each month. Your due date is 25 days after the close of each billing cycle.	Peak Rewards Credit Card Pay your entire balance by the due date each month. Your due date is 25 days after the close of each billing cycle.
Foreign Transaction Fee	Pathway Credit Card Up to 1.10% of each transaction in U.S. Dollars	Basecamp Credit Card 1.00% of each transaction in U.S. Dollars	Peak Rewards Credit Card None
Late Payment Fee	Pathway Credit Card Up to $25.00	Basecamp Credit Card Up to $25.00	Peak Rewards Credit Card Up to $25
Returned Payment Fee	Pathway Credit Card Up to $25.00	Basecamp Credit Card Up to $25.00	Peak Rewards Credit Card Up to $25

Disclosures

*APR = Annual Percentage Rate. Credit approval and qualification are based on creditworthiness and membership eligibility. All rates, terms, and conditions are subject to change without notice. Refer to the Credit Card Agreement and Disclosure for complete details. Federally insured by NCUA.