Balance Transfer Disclosure

Balance Transfer Disclosure

7Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers processed between and 5/1/2024 and 6/30/2024 is 0%. The promotional balance transfer fee is 3% of the balance transfer amount for balance transfers processed during this promotional period. Promo excludes Signature Cashback cards that are within 365 days of open or upgrade date. The standard rate for balance transfers processed after the promotion end date of 6/30/2024 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 Illini Rewards, Illini Visa, and Visa 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.