2025 Balance Transfer Campaign
Say YES to Paying LESS!
Transfer your high-interest balance to a Beach Municipal FCU card between January 1 – March 31, 2025 and enjoy 4% APR!
Campaign Target:
- Focus on both current and prospective credit card holders.
- Persuade non-cardholders to apply for a credit card and transfer their balances from high rate credit cards.
- Encourage existing cardholders to transfer balances from their high rate store cards to us.
Campaign Timeframe:
- January 1 - March 31
- We will feature two versions of the campaign. A winter and spring theme to match the seasons!
Teller Card
- Winter: Teller Card
- Spring: Teller Card
Statement Message
| Say YES to Paying LESS! Move your | ||||||
| high-rate balances to a Beach Municipal FCU Credit Card & | ||||||
| get a 4% fixed APR from now thru March 2026 billing cycle! | ||||||
| PLUS-NO BALANCE TRANSFER FEES! Apply Today & Save |
Emails
- First Email | Date Sent: 1/2/2025 (everyone)
- Second Email | Date: 1/127/2025 (available balance on credit card)
- Third Email | Date: 2/15/2025 (no credit card / propensity)
- Fourth Email | Date: 3/13/2025 (everyone)
- Fifth Email | Date: 3/30/2025 (everyone - last chance)
Flyers
Features/Benefits
Beach Municipal FCU offers different types of credit cards, all of which offer the following benefits:
- Same low interest rates on purchases, balance transfers and cash advances ~ that means members don’t pay as much in interest when they use our credit card.
- No balance transfer fees ~ the average balance transfer fee is 3% to 5%! That means a member transferring $10k to their Beach Municipal credit card saves between $300-$500!
- No annual or application fees ~ we don’t charge our members for the “privilege” of using our credit card.
UChoose rewards
- Our Mastercard® Classic, Mastercard® Gold™ and Visa® Platinum credit cards offer rewards points.
- With UChoose Rewards, members earn one point for every dollar they spend.
- Points are redeemable for gift cards, travel rewards, PayPal purchases, merchandise and more.
- That means members get free stuff when they use their cards!
Cross Sell Reminders
Always open the Opportunity Box! Is there already an existing Opportunity or open Referral?
However, a conversation is not one magical question! Knowing how to discuss the features and benefits of our credit cards help the members understand “what’s in it” for them.
WIIFT?
Information to help you understand What’s In It For Them
Credit Card Statistics
-
As of December 16th, the average credit card interest rate was 28.65%, according to Forbes Advisor’s weekly credit card rates report. That’s up over 5% from the 23.37% average in August.
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Credit card balances increased 6.9% YoY to a record $1.06 trillion in Q3 2024, per TransUnion.
Holiday Spending
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The average American is expected to spend $1,063 on holiday-related purchases, which is up 7.9% from 2023.
-
20% of Americans plan to use credit cards to cover a significant portion of their holiday spending, potentially opening new lines of credit to manage the costs.
- 49% of parents across the country plan on going into debt due to their Christmas shopping this year.
How Can Our Balance Transfer Help?
$1,063 holiday spending with a $36 per month payment:
|
|
National Average |
Beach Municipal FCU Balance Transfer |
|
Interest Rate |
28.65% APR |
4% APR |
|
Pay Off Time |
52 months |
32 months |
|
Total Interest |
$804.16 |
$59.47 |
|
Total Savings |
$744.69! |
|
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