ONYX SMART REWARDS
CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Penalty APR and When it Applies 

F2            % 
14.99%
This APR will vary with the market based on the Prime Rate. 
F3             
14.99%
This APR will vary with the market based on the Prime Rate. 
F4             
14.99%
This APR will vary with the market based on the Prime Rate. 
F5             
16.99%

This APR may be applied to the entire balance on your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for any of these reasons, the Penalty APR will apply until you make at 
least six (6) minimum payments by the payment due date as shown in 
your monthly statement. 
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. We will begin charging interest on 
cash advances and balance transfers on the transaction date.  
To learn more about factors to consider when applying for or using a 
credit card, visit the Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F6             annually 
$50.00

F7             of each multiple currency transaction in U.S. dollars 
1.00%
F8             of each single currency transaction in U.S. dollars 
0.80%
F9             of each International transaction in U.S. dollars (Maximum 
1.00%
Fee: F10           of the amount) 

2.00%

Up to F11            
$25.00
Up to F12           
$25.00

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Foreign Transaction Fee 

-  Foreign Transaction Processing Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See 
your account Agreement for more details. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

F13           or the amount of the required minimum payment, whichever 
$25.00
is less, if you are ten (10) or more days late in making a payment. 
F14           or the amount of the required minimum payment, whichever 
$25.00
is less. 
F15           
$5.00

DMAETO (MXC450 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Copy of Entertainment and Entertainment Draft Fee 

F16           
$5.00
F17           
$50.00
F18           
$75.00
F19           
$15.00

F20           
$25.00

Periodic Rates. 

14.99                                                              (cid:20)(cid:17)(cid:21)(cid:23)(cid:28)(cid:20)%.

The Purchase APR is F21   % which is a monthly periodic rate of F2
The Cash Advance APR is F23           which is a monthly periodic rate of F24       
The Balance Transfer APR is F25           which is a monthly periodic rate of F26    
The Penalty Rate APR is F27           which is a monthly periodic rate of F28     
1.4158%.

14.99%                                                              1.2491%.

14.99%                                                              1.2491%.

16.99%

Variable Rate. 

The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  on  the  first  day  of  the  billing  cycle  quarterly  to  reflect  any 
change in the Index and will be determined by the Prime Rate on ten (10) days prior to the first day of the first month of 
the new quarter of each year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The 
ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE 
will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer 
available, the Credit Union will choose a new index which is based upon comparable information. 

Margin. 

Purchases will be charged at F29           above the Index. 
Cash advances will be charged at F30           above the Index. 
Balance transfers will be charged at F31           above the Index. 

11.74%

11.74%

11.74%

DMAETO (MXC450 CCM001)-e