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 10,000 bonus points after spending $500 in purchases within the first 30 days of card issuance. This offer is not available for applicants who 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. 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.

⁷Terms and Conditions: APR = Annual Percentage Rate. The promotional APR for balance transfers processed between and 3/1/2023 and 6/30/2023 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 cards opened between 10/1/2021 and 1/7/2022 that are within 545 of open date or Signature Cashback card programs. The standard rate for balance transfers processed after 6/30/2023 and any unpaid promotional balance remaining after the February 2024 statement cycle is as follows: 12.9%-17.9% for Illini Rewards, 10.9%-16.9% for Illini VISA, and 9.9%-13.5% for VISA Platinum depending on your credit worthiness. 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. Balance Transfer Promotion ends 6/30/2023.