Terms and Conditions

*APR=Annual Percentage Rate. Balances transferred between February 1 and December 31, 2024, will qualify for the 6.90% APR until the balance transferred is paid in full. Balance Transfers are subject to review and will be limited to the value of your available credit line. The minimum balance transfer amount is $500.00. Please visit www.ucscu.org/balance-transfer for complete Terms and Conditions. Promotional Offer expires December 31, 2024.

UCSCU Balance Transfer Promotion Terms and Conditions

Transferring Balances: UCSCU does not charge a balance transfer fee. Please allow 2–3 weeks to process your Balance Transfer Requests. Continue to make all required payments to your accounts until you confirm the payment for the transferred amount was made. UCSCU is not responsible for late payments, interest or fees, on your credit card accounts. We are not authorized to close your accounts even if you transfer the entire balance. If you want to close your account, you will need to contact the card issuer directly. Balances can be transferred up to your established credit limit. If your balance transfer request exceeds your available credit, please contact us at 888-FOR MYCU to request an increase in your credit line. If not, we will process your transfers for less than the amount requested, in the order requested, and at our discretion.

Important Information About This Offer: Promotional Balance Transfers cannot be used to pay off another UCSCU loan, credit card or line of credit. There is no Balance Transfer fee charged. Interest charges begin accruing the day the Balance Transfers request is processed (the transaction date). Transaction amounts will be applied to your established credit limit and will be charged a 6.90% APR until the balance is paid in full. Balance Transfers that post after the promotional date will be charged the applicable non- promotional terms stated in your loan documents or any subsequent change in terms or will be declined. Offer, rates, and fees are subject to change. The APR on all other purchase transactions and balances on your account will remain at the applicable rate in accordance with your Credit Card Agreement.

Right to Decline: Under certain circumstances (for example, if your account is past due or over the limit) we may decline to process your Balance Transfer.

Credit Card Agreement: For further details about terms or conditions on your account, please refer to your Credit Card Agreement.

Red Carpet Rewards Cardholders: Earn points for all your purchases. UCSCU Red Carpet Rewards is a simple, easy to use program that rewards you 1 point for every $1 spent on credit transactions each time you use your UCSCU Platinum card. From groceries to fuel to utility bills, your everyday purchases will really pay off. Enroll your Platinum Card at https://www.ucscu.org/special-services/red-carpet-rewards to take advantage of this special member reward.