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VISA
Loans
New Members
Documents
100

Visa with annual income stipulations. $2500-$10,000

What is UICCU Student Visa?

100

What members can get an extra .75% off of their loan APR?

trick question, you cant stack these discounts. IL plus and Loyalty plus members get .25% off and Direct deposit to a checking gets .5% off

100

When is CP able to be accessed on a members account?

60 days after opening

100

When do you give out adverse actions?

What is for any counter or denial?

200

Individuals who plan to carry a balance and have a score of 700+ or 639 and lower.

Annual income $10,000 or more.

What is UICCU platinum visa?

200

How to you quote someone a correct loan/HELOC payoff?

IQ Specfile payoff letters, this will calculate interest and fees and place it on a printable template!

200

What are 3 acceptable forms of address verification?

  • State issued ID/Driver’s     License or Consular/Matricula card containing the correct address Acceptable Forms of ID
  • A current Lease/Housing Agreement
  •  Utility Bill dated within the     last 30 days (NOT a cell phone bill)
  • Water Bil
    • Electric Bill
    • Wi-Fi Bill
    •  Cable Bill
    •  Sewage Bill
    •  Garbage Bill
    •  Landline Bill
    •  Lawn Care Bill
  •  Government Issued Document with Address/Name clearly printed
    • SSN Card attachment
    • Letter from the Social      Security Administration
    •  State Disability Documents
    •  Docs from S.U.R.S. (State      University Retirement System)
    •  Medicare/Medicaid      Documents/Bills
    •  U of I Housing Documentation
    •  Child Support Documents
    •  State Issued Licensure      Documents
    •  State/Federal Benefits      Letter
    •  Voter Registration Card
    •  Motor Vehicle Registration      issued through Dept of Motor Vehicles
  •  Property Insurance document
  •  Sub-letting Agreement
  •  IF the person lives with one     of our current members AND that member’s address is listed in Episys, our     member can write out a letter stating that the person lives with them at     their address. The member MUST include the person’s name, the full     address, and how long the person has been living with them. They also must     sign and date the letter. The person in question can bring that letter     with them as address verification to open an account
200

What information needs to go on preapproval letters?

What is any stipulation and approval amount, with highest APR option?

300

Individuals who pay off their balance every month. Annual income $10000 or more.

What is a Rewards card?

300

On what day will the system automatically offset DQ pymts

20 days past due

300

Digital bank RDA limits?

  • Members can upload up to 10     checks per day and up to $10,000 per day 
  • Checks over $2500 will go on     hold, holds are reviewed by Processing throughout the day
  • Monthly limit is $10,000 per month or 50 items per month
300

What are 3 required items on a loan contract?

Title fees, Disbursements, %, Due date, loan# etc. 

400

Visa minimum payment?

The minimum payment is 1.50% of the total new balance or $25.00, whichever is greater.

400

What is the minimum score/income needed for a Prime LOC

700& $2500/mo

400

How many CP fees can be refunded to a member within a year?

3 instances or $360 max

400

Walk us through vehicle loan titles! How do you do title applications and what are the fees?

$53 if names need changed on titles

$53 if title is lost

$50 normal title 

$158 lease buyout

500

What happens to Prairieland/New Horizon Card holders balances?

When the shut off happens cards will no longer be able to be utilized but cards can be repaid at the current APR. If members want to move balances to UICCU they can continue to utilize cards. Currently there is no balance transfer promo. 

500

What is the maximum aggregate unsecured allowed per signature?

$48k

500

2-3 additional field of membership options EXCLUDING counties

  • University     of Illinois employees at the Urbana/Champaign, UIC and UIS campuses (part     time, full time, temporary employees and retirees)
  •  University     of Illinois at Urbana-Champaign students
  •  University of Illinois Allied Agencies (see list)
  •  University     of Illinois Alumni Association members
  •  Employees     or retirees of the following companies:
    • Illinois      Bell Telephone Company
    •  American      Information Technologies (Ameritech), or its affiliated subsidiaries
    •  AT&T      Information System (ATTIS)
    •  AT&T      Communications (ATTCOM)
    •  Lucent      Technologies
    •  AT&T      Technologies
    • Carle      Hospital
    •  Urbana      Postal
  •  Any     member of the International Brotherhood of Electrical Workers of Local     601, and any Electrical Contractor or employees of any Electrical     Contractor under the jurisdiction of the International Brotherhood of     Electrical Workers of Local 601.
  •  Illinois     State Agencies with a regional office located in Champaign/Urbana,     including cooperating teachers, principals, and administrators of state     schools.
  •  Federal     Agencies with a regional office located in Champaign/Urbana
  •  University of Illinois Research Park and Employees of tenant     companies (see list)
  •  Family     members of current UICCU members, including any immediate relatives by     blood, marriage, or foster/adoption.
  •  University     of Maryland Alumni Association Members
500

What info is needed to open membership for a person w/out a ssn?

WHAT IS A TRICK QUESTION?!? NO MORE 888 ACCOUNTS!