*APR=Annual Percentage Rate. Purchase APR is variable and subject to change after account opening. Minimum balance transfer of $500 is required to be eligible for promotion. Promotional APR valid for 12 months from time of balance transfer after which the variable rate of 12.49-18.99% will apply based on your creditworthiness at account opening. Balance transfer must post between 9/1/26–1/31/27 to qualify for promotional rate. Rewards credit card and Business Rewards credit card balance transfer fee is 2% of the transfer amount with a $5 minimum. The Rewards Elite card does not have a balance transfer fee. All credit cards subject to approval. View our disclosures for additional Credit Card Terms and Conditions.

**1,000 bonus points will be awarded to individuals who open a new Rewards Credit Card or Rewards Elite Credit Card 9/1/26–1/31/27. 5,000 additional bonus points will be awarded to individuals who, within 6 months of account opening, use their Beginnings Rewards Credit Card for 5 or more purchase(s) totaling $5,000 or more. Bonus points will be credited to the account within 30 days after purchase requirements are met. Account holders are eligible to receive bonus points on each new account they open. All credit cards are subject to approval. UChoose Registration required to redeem points. Federally insured by NCUA.