Transfer a Balance

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Transfer Your Balance To A Lower Rate Card

Without A Balance Transfer Fee!

Choose the card that’s right for you:


Visa® Select - Lowest of the Low Rates. No Annual Fee.

  • The introductory balance transfer rate is 1.99% fixed APR for 12 months.* Thereafter and on all new purchases the variable rate is currently 8.90% APR - 19.90% APR based on your credit qualification.

Visa Signature® - Amazing Rewards. Low Rate. No Annual Fee.

  • The introductory balance transfer rate is 3.99% fixed APR for 12 months.*  Thereafter and on all new purchases the variable rate is currently 10.90% APR - 21.00% APR based on your credit qualification.+
  • Earn unlimited 1.25 Reward points for every dollar you spend on purchases.  Plus earn a one-time bonus of 25,000 reward points when you spend $3,000 or more within the first three months. Enjoy exclusive Visa Signature® benefits.

Call us today to transfer your balance to an existing Westerra card or apply for a new card.


*APR=Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Visa Signature or Visa Select card from other financial institutions (one balance transfer allowed during introductory period). +Your APR is the Prime Rate plus a margin of 4.65% - 15.65% for the Visa Select or 6.65% - 17.65 % for the Visa Signature based on your credit qualification. APRs will vary with the market based on the prime rate. Published APR is effective as of 7/1/2017. Foreign Transaction Fees are 1.00% of the US dollar amount of the foreign transaction for foreign currency conversions, 0.80% of the US dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee 2%.
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