Balance Transfer

All Cedar Point Branches along with our call centers will be closed Monday, January 19, 2026, in observance of the holiday. We will open for regular hours on Tuesday, January 20, 2026.

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Should I transfer my credit card balances?

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

Current Credit Card(s)

Card 1 Current Balance

Card 1 Current Rate (0% to 40%)

Card 2 Current Balance

Card 2 Current Rate(0% to 40%)

Card 3 Current Balance

Card 3 Current Rate (0% to 40%)

Card 4 Current Balance

Card 4 Current Rate (0% to 40%)

New Credit Card

Introductory rate (if applicable) (0% to 40%)

Months of promotion (if applicable) (0 to 120)

Regular interest rate (0% to 40%)

Annual fees (if applicable) ($)

Balance transfer fee (% of balance) (0% to 100%)

Balance transfer fee maximum ($)

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Income - Single	Income - Head of Household	Income - Married Filing Jointly	Income - Married Filing Separately	Federal Tax Rate
$0 - $11,600	$0 - $16,550	$0 - $23,200	$0 - $11,600	10%
$11,601 - $47,150	$16,551 - $63,100	$23,201 - $94,300	$11,601 - $47,150	12%
$47,151 - $100,525	$63,101 - $100,500	$94,301 - $201,150	$47,151 - $100,525	22%
$100,526 - $191,950	$100,501 - $191,950	$201,151 - $383,900	$100,526 - $191,950	24%
$191,951 - $243,725	$191,951 - $243,700	$383,901 - $487,450	$191,951 - $243,725	32%
$243,726 - $609,350	$243,701 - $609,350	$487,451 - $731,200	$243,726 - $365,600	35%
$609,351+	$609,351+	$731,201	$365,601	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $11,260	With Room & Board: $24,030
Public 4yr	Residence: Out-of-State	Tuition & Fees: $29,150	With Room & Board: $41,920
Public 2yr	Residence: In-State	Tuition & Fees: $3,990	With Room & Board: $13,960
Private 4yr	Residence: N/A	Tuition & Fees: $41,540	With Room & Board: $56,190

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.1%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%
2022		8.0%
2023		4.1%

Source: U.S. Department of Labor