Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases

VISA PLATINUM VARIABLE AND VISA PLATINUM
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Variable

9.75%
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances

Visa Platinum

13.99%
Visa Platinum Variable

9.75%
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers

Visa Platinum

13.99%
Visa Platinum Variable

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from the Consumer 
Financial Protection Bureau

9.75%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum

13.99%
Your due date is at least 25 days after the close of each billing cycle.
We do not charge you 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
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees
-  Late Payment Fee 
Up to $25.00
-  Returned Payment Fee 
Up to $25.00
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

None 
None
1.00%   of each transaction in U.S. dollars

Effective Date.
The information about the costs of the card described in this application is accurate as of January 22, 2017. 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 

Rush Fee 
Card Replacement Fee 
Convenience Check Stop Payment Fee 

~ 

or the amount of the required minimum payment, whichever is 

$25.00  or the amount of the required minimum payment, whichever is
less. 
$25.00
less. 
$25.00
$25.00  per card
$25.00

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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