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When it pay off to transfer a Credit Card Balance

When it Pays Off to Transfer a Credit Card Balance

Offers from credit card companies to side-step interest charges can be appealing, but is it worth it to transfer your balance? Reducing interest payments by transferring a balance can quickly lower monthly finance charges. Although, even a promotion offering a zero interest rate doesn't always pay off long term. Here are things to look for to make an informed decision.

1. Fees - Watch out for annual fees. They can really add up over time. Also, card issuers usually charge fees from 3%-5% of the amount transferred. That?s $500 on a $10,000 balance transfer. Always look for a card that doesn?t have a fee for balance transfers.


2. Look for Rates that Start Low and Stay Low - Make sure you understand what your rate will be after the low rate introductory period. Rates can often be outside your comfort zone. If you make your payments in full and on time, your rate will not be an issue.

3. Consider Balance Limits - Card issuers may approve you for a balance transfer offer, but the amount approved to transfer may vary. Know that when you apply for a card, you may not be able to shift the entire balance to consolidate all your monthly bills.

4. Crunch the Numbers - Look at what you have to transfer and compare rates. Specifically, the promotional interest rate, the number of months that it?s in effect, and how much money you stand to save over time.

Premier Privileges MasterCard 

Financial Fitness Corner
Life Insurance is a simple answer
Keep your Online Banking password safe

Your online banking password is the key to your hard-earned money. To help ensure your password is secure and your money protected, we've put together some helpful tips to guide you:

  • Use a unique password for your Online Banking account containing special characters, numbers and letters
  • Don't make it easy to guess by including birth dates, anniversaries, home address, telephone, or any string of the same characters
  • Don't share your password with anyone including a Premier America employee or any third party
  • Never record it on your computer or write it down where someone else can find it
  • Install and update anti-virus software on your computer and scan for spyware regularly


Premier America Expands the Size of Warner Center Branch 

Premier America recently completed a renovation that nearly doubled the size of its Warner Center branch, located at 6020 Canoga Avenue, Woodland Hills. The Warner Center branch serves the financial needs of members in the southwest San Fernando Valley. "We are constantly thinking about how to improve the member experience," said John Merlo, CEO of Premier America. "The branch renovation allows us to showcase our digital banking capabilities through interactive kiosks while also placing our staff in a setting that better facilitates face-to-face service dialogue."


Convenient access to your money


Convenient Access to Your Money through

CO-OP ATM and Shared Branch Network


Convenience is key in your busy life and when it comes to convenient access to your money - we’ve got you covered. That’s why Premier America is part of the CO-OP ATM and CO-OP Shared Branch Network, created by Credit Unions that joined forces to give members financial convenience traditionally available only from big banks.


The CO-OP ATM network provides access to nearly 30,000 ATM locations nationwide, all surcharge-free, saving you money and drive-time. CO-OP has ATMs at common retailers including many Costco, Walgreens and 7-Eleven® locations. Plus, you have free access to nearly 5,000 CO-OP Shared Branches that provide full-service interaction, perfect when you’re traveling. Whenever you see a CO-OP ATM or Shared Branch symbol, you know the ATM is surcharge-free.


Use our mobile app to locate ATM and CO-OP Shared Branches while you’re on the road. To install our app, search for Premier America Credit Union on your mobile app store. Or visit to enter your zip code and see all the locations available to you. Don’t have a smart phone? Simply call CO-OP at 888-SITECOOP for the closest surcharge-free location







Save on Popular Tickets Activities with

Recreation Connection

Enjoy discounts on a wide variety of tickets to various theme parks, movie theatres, sporting events, concerts, plays and family
events. Tickets can be purchased in the Chatsworth branch lobby (19867 Prairie Street) every Thursday and Friday 9:30 a.m. - 5:00 p.m. Members can also order tickets by mail, fax or through their web site at


Premier America Logo
Web/Mobile/Home Banking
24-Hour Telephone Banking Service
800-772-4000 press 1
Fax 818-772-417
Loans Fax 818-772-4133

Account Questions?
Call Member Services at 800-772-4000
(Monday - Friday 8:00 a.m. - 5:00 p.m.
Saturday 8:00 a.m. - 1:30 p.m.)

Comments or Concerns?
Please write to:
Leslie MacAskill, Chairperson,
Supervisory Committee,
Premier America Credit Union
P.O. Box 2178,
Chatsworth, CA 91313-2178

Equal Housing LenderNCUAThe information in this newsletter is as current as possible; however, the Credit Union reserves the right to add, change or delete products, product features and/or services without notice. The articles and opinions in this publication are for general information only and not intended to provide specific advice or recommendations for any individual. We suggest you consult your attorney, accountant or financial or tax advisor with regard to your individual situation. All rates, yields and terms are subject to change without notice. 













Equal Housing Lender
Premier America Credit Union is committed to providing exceptional service to individuals and small businesses. We offer consumer, business and youth checking and savings accounts; business loans; investment services; high yields on certificates and money market accounts; homeowner's and auto insurance; home mortgages and auto loans; as well as MasterCard and Visa credit cards. Our members enjoy free services including online banking, mobile banking, text banking, mobile apps and bill pay. We are proud to serve the communities of Chatsworth, Simi Valley, Thousand Oaks, Valencia, Santa Monica, Westlake Village, and Woodland Hills, California as well as Houston, Texas.