¹The ANNUAL PERCENTAGE RATE (APR) you receive for the above loan types may vary based on individual credit history, loan term and applicable discounts. All loans subject to credit approval.

³New cardholder accounts are eligible for 50,000 bonus points after spending $5,000 in purchases within the first 90 days of card issuance. This offer is not available for applicants who currently have or have had this card. Eligible purchases are purchases for goods and services minus returns and other credits. “Purchases” do not include balance transfers, cash advances, prepaid cards, gift cards, wire transfers, bill pay, similar transfers, or other cash equivalents. Any transactions or purchases using a Merchant Category Code (MCC) and/or merchants that have been previously identified in gaming attempts including those transaction types previously stipulated as ineligible purchases will be excluded from earning rewards points.  To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you cancel or return purchases you made to meet the required spend), we may not credit bonus points or we may take away points from your account. We may also cancel this Card account. Transactions are subject to the account opening disclosure and your Credit Card Agreement. Allow up to 60 days after qualification period for points to be applied. UICCU reserves the right to refuse any application.

⁵Qualifying tiers for $150 cashback match is determined by the merchant code as supplied by the merchant. $150 cashback match to apply to applicable purchases made between open date of card and one year after open date of card. Redemption of cash back can begin once $20 or more Available Cashback has been accrued. Available Cashback is viewed and redeemed via transfer by member in Digital Banking platform. “Purchases” do not include cash advances, transfers to existing UICCU card or loan accounts, prepaid cards, gift cards, wire transfers, bill pay, similar transfers or cash equivalents. To be eligible for this offer, account must be open and not in default at the time of fulfillment. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you cancel or return purchases you made to meet the required spend), we may not offer cashback. We may also cancel this Card account. Transactions are subject to the account opening disclosure and your Credit Card Agreement. UICCU reserves the right to refuse any application or transaction. Allow up to 60 days for cash back to be applied. Other restrictions may apply.

⁶Terms 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, Visa Rewards cards opened or upgraded after 5-1-2025, or Visa Platinum cards opened or upgraded after 8-1-24. 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.

⁷Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers processed between and 2/1/2025 and 3/31/2025 is 0%. The promotional balance transfer fee is 3% of the balance transfer amount for balance transfers processed during this promotional period. Promo excludes Student Visa, Secured Visa, Signature Cashback cards that are within 365 days of open or upgrade date and Platinum cards opened or upgraded on or after 8/1/2024. The standard rate for balance transfers processed after the promotion end date of 3/31/2025 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.