Credit Card Balance Transfer - Special Offer

Learn more about Sunward's credit card offerings.

*APR = Annual Percentage Rate. APRs will depend on creditworthiness, and will vary with the market based on the Prime Rate. See information below about rates and other credit card disclosures.

Important information regarding this offer: 

APR = Annual Percentage Rate. Promotional APR is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards and purchases made with the provided convenience checks. Promotional APR will not apply to checks made payable to you, cash, or to make payments on any obligation you have with Sandia Lab Federal Credit Union. You cannot transfer balances for the purpose of paying off other accounts issued by Sunward. You should not use the check(s) or initiate a balance transfer(s) in the amount of any disputed purchase or charge, as you may lose your rights to dispute that purchase or charge. You must continue to make your required monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Sunward will not be responsible for any finance charges or late fees you incur on your other account as a result of a balance transfer request. We will not close your other accounts, even if you transfer the entire balance - please contact other creditors directly. Balance transfer requests may not exceed your available credit at the time we receive your request. Your accounts at Sunward must be in good standing at the time the balance transfer offer is processed. Please refer to Sunward’s Card Agreement at Credit Card Disclosures for additional information. Cash-back rebates are not earned on any use of convenience checks or balance transfers. Any convenience check(s) or balance transfer(s) processed after the promotional period will incur finance charges at the standard balance transfer rate. The promotional APR will remain in effect through your March 2025 credit card statement cycle. Convenience checks must be presented for payment by March 31, 2024 in order to obtain the promotional APR.

Each convenience check used to conduct a balance transfer or a purchase will be treated as a balance transfer as described in your Credit Card Agreement and will begin to accrue finance charges from the date of the transaction. If you have not activated your credit card, please call 800.631.3197 to do so prior to using any convenience checks. Like any check, these convenience checks are negotiable and should be destroyed (shredded) if you do not plan to use them. You may choose not to receive Sunward convenience checks in the future by calling us at 505.293.0500. Please note, certain merchants may inform you of their intent to convert your convenience check payment to an electronic ACH debit. For mailed payments, this notification will be provided at the time you receive a bill. For payments made in person, this notification will be provided at the time payment is made. You understand and agree that Convenience Checks are ineligible for conversion to an ACH debit and if presented by a merchant to us for payment, we are required to reject and return the entry. Using convenience checks for payments to merchants who have notified you of their intent to convert your check to an ACH debit may result in merchant returned item fees and/or late charges. You further understand and agree that you may not attempt to authorize a one-time advance from your account via ACH by providing check information (such as the routing, account, and serial numbers) to a merchant or other payee in person, via the Internet or by telephone for the purpose of having such merchant or other payee electronically initiate a funds transfer. The Credit Union will not be liable for any fees you incur as a result of the Credit Union’s failure to honor a convenience check that is converted to an ACH debit.