Balance Transfer Disclosure
Balance Transfer Disclosure
New UICCU Visa Credit Cardholder*
Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers is for Visa Signature Cashback cards opened or upgraded after 7-1-23 or Visa Rewards cards opened or upgraded after 5-1-2025. There is a fee of 3% of the balance transfer amount for balance transfers processed during this promotional period. The standard rate for purchases, balance transfers processed 12 months after new card open date and any unpaid promotional balance remaining 12 months after new card open date will vary depending on your individual credit worthiness and the current market for Visa Signature Cashback and Visa Rewards. Rates will adjust with the Prime Rate. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application.
APR = Annual Percentage Rate. The Promotional or Introductory APR for balance transfers for Visa Platinum cards is a fixed rate of 0% for the first 12 months after the later of the card open or upgrade date. There is a fee of 3% of the balance transfer amount for balance transfers processed during this Promotional or Introductory period. The standard rate for purchases, balance transfers processed 12 months after the later of the new card open or upgrade date and any unpaid Promotional or Introductory balance remaining 12 months after the later of new card open or upgrade date will be charged according to the fixed rate you qualify for which will be disclosed on your account opening disclosure. The standard rate will not change for as long as the line of credit is open unless you are notified of a change in terms and provided the opportunity to opt out and discontinue use of the account. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application.
Existing UICCU Visa Credit Cardholder**
Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers processed between 1/1/2026 and 3/31/2026 is 0%. The promotional balance transfer fee is 3% of the balance transfer amount for balance transfers processed during this promotional period. Promo excludes Platinum and Cashback cards that are within 365 days of open or upgrade date and Rewards cards opened or upgraded on or after 5/1/2025 within 365 days of open or upgrade date. The standard rate for balance transfers processed after the promotion end date of 3/31/2026 and any unpaid promotional balance remaining 12 months after first transfer date will vary depending on your individual credit worthiness, the current market and your card program. APR’s for Rewards, Non-Rewards, or Signature Cashback card programs will vary with the Prime Rate. If you are requesting UICCU to transfer outstanding credit balances to your UICCU credit line (listed above), finance charges will accrue from the transaction date with no grace period. Allow at least fourteen business days for processing your request(s). Continue to make monthly payments to each creditor until the balance transfer appears as a credit on that account. Transactions are subject to account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application. Offers available for a limited time and subject to end without notice.