2026 Balance Transfer Campaign

Less Interest. More Freedom.  Take Control of Your Balance TODAY!
Transfer your high-interest balance to a Beach Municipal FCU card between January 1 – March 31, 2026 and enjoy 4% APR through the March 2027 billing cycle!

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

Teller Card         

• Teller Card 

Statement Message 

Less Interest. More Freedom.  Take Control of Your Balance TODAY!   Move your high-rate balances to a

Beach Municipal FCU Credit Card & get a 4% fixed APR

from now thru March 2027 billing cycle!

PLUS-NO BALANCE TRANSFER FEES! Apply Today & Save

Emails

• Email | Date:  1/2/2026 (everyone)
• Email | Date:  1/27/2026 (available balance on credit card)
• Email | Date:   2/15/2026 (no credit card / propensity)
• Email | Date:  (everyone)
• Email | Date:  (targeted)
• Email | Date:  (everyone)
• Final Email | Date:  3/30/2026 (everyone - last chance)

Flyers

• Winter Version

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

There are two separate Opportunities for this promotion:

BalTrn — for members who already have a credit card with us.

• These are auto-assigned to MAC, but the department can be changed if needed.

• If no notes are added, MAC will assume a form is being sent to them.

• If the member wants to increase their credit limit to fully take advantage of the promotion, submit a CLI – Credit Limit Increase Referral and assign it to the appropriate branch’s Lending Department.

NEWCC — for members who do not currently have a credit card with us.

• These should be assigned to the appropriate branch’s Lending Department.

Important: Always open the Opportunity box. If there is already an existing Opportunity or open Referral, continue the conversation with the member and add updated notes.

  
   
WIIFT? 

Information to help you understand What’s In It For Them

Credit Card Statistics

• Average national credit card interest rate: Approximately 25.32% APR, according to recent weekly industry data. 

• Total U.S. consumer credit-card debt: Around $1.23 trillion outstanding in Q3 2025, up year-over-year. 

• Average account debt for cardholders carrying a balance: About $6,523 per cardholder as of late 2025.

Holiday Spending

• Average holiday spending: Early reporting indicates the average American spent about $1,300 this holiday season on gifts, travel, and other expenses — higher than many prior estimates.
   
• Holiday debt levels: Survey data indicate that over one-third of consumers took on holiday debt, with an average amount of around $1,223 for those households, suggesting a significant post-holiday financial burden.
   
• Post-holiday data suggests that spending exceeded many expectations, and a significant portion of consumers are carrying debt into the new year. High usage of credit—especially at elevated interest rates—and ongoing repayment pressures indicate that many households may be feeling financial strain well after the holidays. This underscores the importance of this offer.

How Can Our Balance Transfer Help?

$1,223 holiday spending with a $26 per month minimum payment:

	National Average	Beach Municipal FCU Balance Transfer
Interest Rate	25.32% APR	4% APR
Pay Off Time	235 months	52 months
Total Interest	$4,871.48	$109.48
Total Savings	$4,762!

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