Calculator: Are Credit Card Balance Transfers Worth It?

You’ve likely received credit card offers in the mail that are hard to turn down. But are they really worth it? It depends on the promotional interest rate, how long the promo lasts, what the rate will eventually be and any balance transfer fees. Want to see if switching cards makes sense for you? Use our calculator to compare and decide.

Relaxed Gen Z woman with earbuds and black rimmed glasses, applying for a debt consolidation loan on her phone in Fargo, ND

Streamline Your Finances With a Debt Consolidation Loan.

Pay off debt faster, lower monthly expenses and keep your finances on track with a debt consolidation loan – personalized to fit your needs.

Get Started

Related Resources for You.

a happy lender sits down to provide solutions and answer her customers’ questions about their Gate City Bank personal loan

Personal Lenders

Whatever your goals may be, our knowledgeable lenders can’t wait to assist you with competitive rates, local service and free pre-approvals.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

Home Equity Loans

Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.

a happy woman holding a credit card & tablet sits on her couch after learning 5 ways to consolidate debt from Gate City Bank
Estimated read time: 5 minutes

5 Ways to Consolidate Debt & Take Charge of Your Finances

From merging multiple balances into a single loan to leveraging your home’s equity, we’ve assembled five basic ways to consolidate debt and improve your financial wellness.

Laughing couple on a couch with their laptop, comparing the perks of a Gate City Bank debit card vs credit card

Debit Card vs. Credit Card: Which Is Best?

Credit card vs. debit card: Which is the safest spend? Learn more about how they compare to make the best spending decisions.