SEE NEXT PAGE for more important information about your account. ADDENDUM TO YOUR CARDHOLDER AGREEMENT 
Lake Michigan Credit Union 
PO Box 2848, Grand Rapids, MI  49546 - 800.242.9790  
 
Effective Date: 04/23/2022     Prime Rate: 3.50% 
 
Interest Rates and Interest Charges  
ANNUAL PERCENTAGE RATE (APR) 
1. Purchases 
2. Cash Advances  
3. Balance Transfers   
Prime Platinum Visa:     
Variable Rate:     6.50 � 14.50%  
 
Max Rewards Platinum Visa:     
Variable Rate:   10.25 � 18.00% 
 
 
This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies 18.00% 
This APR may be applied to your account if your account is 60 days 
past due.    
How Long Will Your Penalty APR Apply?   If your APRs are 
increased for this reason, the Penalty APR will apply until you make 
six consecutive minimum payments when due.   
How to Avoid Paying Interest 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.  We will begin 
charging interest on cash advances and balance transfers on the 
transaction date. 
Minimum Interest Charge None. 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 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 https://www.consumerfinance.gov/learnmore 
 
Fees 
Annual Fee None. 
Transaction Fees 
1. Balance Transfer 
2. Cash Advance 
3. Foreign Transaction  
 
None. 
 
3% of the amount of the cash advance. 
 
1% of each transaction in U.S. Dollars 
Penalty Fees 
1. Late Payment 
 
2. Over-the-Credit Limit 
3. Returned Payment  
 
Up to $15.00  for unpaid balances up to $1,000.00 
Up to $25.00  for unpaid balances of $1,000.00 and greater 
 
If you opt in, $25.00. 
 
Up to $25.00. 
  How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).�   
See your account agreement for more details.  
Billing Rights:  Information on your right to dispute transactions and how to exercise those rights is provided in your 
account agreement.    
Lost or Stolen Card Replacement:   First occurrence is $5.00; second occurrence is $10.00; rush card is $30.00. 
Minimum Payment:   Two percent (2%) of the new balance or $20, whichever is greater, plus the amount of balance that 
exceeds the Credit Limit, plus any amounts past due.   
 
Margin:  
Prime Platinum Visa:  Prime +  3.00% - 11.00% - ceiling 18.00%. 
Max Rewards Platinum Visa:  Prime +  6.75% - 14.50% - ceiling 18.00% 
 
Rates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our 
underwriting standards. 
 
The information about the costs of the card described in this application is accurate as of the date above.  This 
information may have changed after that date. To find out what may have changed, contact LMCU via the address 
and phone number in the agreement.