Credit Card Balance Transfer(s) Form**
If you have an existing FirstLight credit card and would like to transfer a non-FirstLight balance to your credit card such as balances from other credit card companies, financial institutions, or department store credit cards, simply click on the link below, fill in the form, print it out, verify all the entered information is correct and sign the form. The completed form can be sent via secure email by logging into Online Banking and selecting Secure Email under the Support option on the top right of your screen from your desktop. The form may also be faxed along with a copy of your valid I.D. to (915) 745-4115, drop off at any of our branch locations or mail to:
FirstLight Federal Credit Union
PO Box 4798
El Paso, TX 79914-4798
**Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1-800-527-7728 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!