Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Classic        

Introductory APR for a period of six billing cycles.

APPLICATION AND SOLICITATION DISCLOSURE

After that your APR will be

,

,

, or

, based on your creditworthiness.

Visa Platinum

Introductory APR for a period of six billing cycles.

After that your APR will be

,

, or

, based on your creditworthiness.

APR for Balance Transfers

Visa Classic

Introductory APR for a period of 18 billing cycles.

After that your APR will be                ,               ,

, or,

based on your creditworthiness.

Visa Platinum

Introductory APR for a period of 18 billing cycles.

After that your APR will be
on your creditworthiness.   

,

, or

based

APR for Cash Advances

Visa Classic

Introductory APR for a period of 18 billing cycles.

After that your APR will be                ,                , or
on your creditworthiness.   

based

Visa Platinum

Introductory APR for a period of 18 billing cycles.

After that your APR will be                ,                , or
on your creditworthiness.  

based

How To Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau

Your due date is at least 25 days after the close of each billing cycle.
We will not charge you any interest on purchases if you pay your entire
balance by the due date each month. 
To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to
Up to

of the amount of each cash advance
of each transaction in U.S. dollars

CUNA Mutual Group 2009, 10, 12 All Rights Reserved

KMIZB0 (MXC403 CCM003)-e

VISA CLASSIC/VISA PLATINUM3.99%7.90%8.90%10.90%15.90%3.99%7.40%8.40%12.40%3.99%7.90%8.90%10.90%15.90%3.99%7.40%8.40%12.40%2.99%7.40%8.40%12.40%2.99%7.40%8.40%12.40%1.00%1.00%$25.00$30.00How We Will Calculate Your Balance: We use a method called "average daily balance (including new
purchases)." 

Visa Classic - Promotional Period for Introductory APR: The Introductory APR for balance transfers and cash
advances will apply to transactions posted to your account during the first 18 months following the opening of
your account. The Introductory APR for purchases will apply to transactions posted to your account during the
first six months following the opening of your account. 

Visa Platinum - Promotional Period for Introductory APR: The Introductory APR for balance transfers and cash
advances will apply to transactions posted to your account during the first 18 months following the opening of
your account. The Introductory APR for purchases will apply to transactions posted to your account during the
first six months following the opening of your account. 

Visa Classic - Loss of Introductory APR: We may end your Introductory APR for purchases, balance transfers,
and cash advances and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Visa Platinum - Loss of Introductory APR: We may end your Introductory APR for purchases, balance
transfers, and cash advances and apply the prevailing non-introductory APR if you are 60 days late in making
a payment. 

Effective Date:
The information about the costs of the card described in this application is accurate as of  
This  information  may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  contact  the  Credit 
Union.

.

OTHER DISCLOSURES

Late Payment Fee

Returned Payment Fee

Returned Convenience Check Fee

Rush Fee
Pay-by-Phone Fee

or the amount of the required minimum payment, whichever is
less, if you are five or more days late in making a payment.
or the amount of the required minimum payment, whichever is
less.
or the amount of the returned convenience check, whichever is
less.

KMIZB0 (MXC403 CCM003)-e

January 1, 2016$25.00$30.00$35.00$30.00$10.00