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Pay off your debt faster with balance transfer rates as low as 0% APR1.

Now through April 25, 2021.

The sooner you act, the more you’ll save. When you consolidate your high-interest debt, you'll enjoy a competitive interest rate, an extensive list of Mastercard® card features and no annual fees. Getting started is fast and easy!

I have an UNCLE credit card and I'm ready to get started!

Just click below and get started on your balance transfer. We've designed the experience to make it easier to get your balance transfer completed as soon as possible.

I'm a member but I don't have an UNCLE credit card yet? No problem!

Apply right now for an UNCLE credit card. The application experience is easy and the decisions are made fast and locally!

Want a Balance Transfer but not a member yet? Perfect, join UNCLE today!

We focus on providing great local service, low rates, less fees and a full-range of financial products designed to make your financial life better. That’s what UNCLE is all about. Join us today!

1APR = Annual Percentage Rate. Balance transfers must be completed between 1/21/20 and 4/25/20 to be eligible for promotional rates. Promotional balance transfer rates under this offer range from 0.00% APR to 2.99% APR for UNCLE Platinum cardholders and UNCLE Choice Rewards cardholders, depending on creditworthiness. Promotional rates on transferred balances will be effective through 4/25/2021; then the rate on transferred balances will change to the then-current purchase APR ranging from 12.99% APR - 20.99% APR, depending on creditworthiness, consistent with the Cardholder Agreement. A balance transfer fee of 2% of amount transferred will apply. Cash advance fee is 3% of advance amount. No annual fees. Promotional balance transfer offer cannot be used to pay off existing loans or other obligations to UNCLE Credit Union. Rates are subject to change at any time.

 
Choice Rewards Credit Card
Platinum Credit Card
Secured Platinum Credit Card
UNCLE Choice Rewards Card
UNCLE Platinum Credit Card
UNCLE Platinum Credit Card
TermsRevolvingRevolvingRevolving
Rates13.99% - 28.99% APR112.99% - 27.99% APR114.99% APR1
Credit Limits$1,500 - $40,000$1,500 - $40,000$300-$20,000
Card FeaturesMastercard Airport Concierge™
Mastercard Global Services™
Mastercard ID Theft Protection™
Mastercard Priceless® Cities
Mastercard SecureCode™
• Chip Technology
• Zero Liability
Mastercard Airport Concierge™
Mastercard Global Services™
Mastercard ID Theft Protection™
Mastercard Priceless® Cities
Mastercard SecureCode™
• Chip Technology
• Zero Liability
Mastercard Airport Concierge™
Mastercard Global Services™
Mastercard ID Theft Protection™
Mastercard Priceless® Cities
Mastercard SecureCode™
• Chip Technology
• Zero Liability
RewardsRewards points can be earned for each qualifying net dollar you spend.
• Travel
• Gift cards
• Merchandise
• Charitable Donations
• Cash Back (Statement Credit)
• Downloads

For more details, click here.
Not applicable.Not applicable.
Fees and CostsNo annual fee. No Over Credit Limit Fee.
2% for Balance Transfer, Cash Advance, Overdraft, and Foreign Transaction fee.
No annual fee. No Over Credit Limit Fee.
2% for Balance Transfer, Cash Advance, Overdraft, and Foreign Transaction fee.
No annual fee. No Over Credit Limit Fee.
2% for Balance Transfer, Cash Advance, Overdraft, and Foreign Transaction fee.
Late Charge$10.00 if payment is more than 10 days late.$10.00 if payment is more than 10 days late.$10.00 if payment is more than 10 days late.
CollateralNot applicable.Not applicable.Savings/CD for 120% of credit limit.
Value Added Services• Automatic payment from your UNCLE Kasasa® checking account
• Free eStatement, Online Banking, Mobile Banking and Bill Payment services
• Member's Choice™ Borrower Security™
• Overdraft Protection for your UNCLE Kasasa® checking account
• Automatic payment from your UNCLE Kasasa® checking account
• Free eStatement, Online Banking, Mobile Banking and Bill Payment services
• Member's Choice™ Borrower Security™
• Overdraft Protection for your UNCLE Kasasa® checking account
• Automatic payment from your UNCLE Kasasa® checking account
• Free eStatement, Online Banking, Mobile Banking and Bill Payment services
• Member's Choice™ Borrower Security™
• Overdraft Protection for your UNCLE Kasasa® checking account
Important Disclosure InformationImportant Disclosure InformationImportant Disclosure Information

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of February 23rd, 2020

Uncle Credit Union BBB Business Review

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