Rates as low as 8.99% APR, effective 1/1/21 and assumes excellent credit. All rates, terms, and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. Cash advance transactions and balance transfers are excluded from earning points. Debit rewards available for personal accounts only. Signature-based transactions only. Business accounts are not eligible for debit rewards.