Ditch the Debt

Pay Off Debt Faster!

One Simple Payment!

Better than 0% Offers


Now through the end of March transfer all those high interest rate loans, store credit cards, bills or just get some extra spending cash!

5.99% APR* until Paid in Full

No Balance Transfer or Cash-out Fees

Transfer Balances or Get Cash now through the end of March!


  • 0% offers are usually only for 12 months, then they charge you a crazy high rate and all the interest
  • If you are transferring high balances, your payment will not be affordable to payoff in 12 months (and they hope for that.)
  • The offer always comes with a balance transfer fee (per transfer) or a fee doe the percentage of the amount transferred.  So basically, you are paying them “up-front” showing you 0% is not really 0%.  Add on if you don’t pay off in 12 months, they get you both ways!


Don’t forget about all the great benefits of using our card for everyday purchases

Don’t have our card?  Apply Now

Have our Card? Increase your limit just text or call (716) 632-9328 or Increase Limit

Transfer Your Balances

Consolidate your other higher interest rate cards, NO TRANSFER FEES, simply provide us with the following:

  • Payoff dollar amount(s)
  • Payee’s name, address and account number(s)
  • Copy of most recent statement(s)

Use one of these convenient options (include pics of your most recent statement(s):

  • Complete the form below. Enter up to four (4) transfer(s) with this form.
  • Text your information to (716) 632-9328
  • Fax your information to (716) 632-1383
  • Email your information to memberservice@westerndivision.org