APPLICATION AND 

SOLICITATION 
DISCLOSURE 

VISA PLATINUM/VISA SECURED 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Platinum 
1.90%  to  5.90% Introductory APR, for qualifying members, 
for a period of 12 billing cycles, based on your creditworthiness. 

After that, or if you do not qualify for an Introductory APR, your APR will be 
8.90%  to 18.00% , based on your creditworthiness. 

Visa Secured 
14.90% 

Visa Platinum 
1.90% to  5.90% Introductory APR, for qualifying members, for a period of 
12 billing cycles, based on your creditworthiness. 

After that, or if you do not qualify for an Introductory APR, your APR will be 
8.90%   to 18.00% , based on your creditworthiness. 

Visa Secured 
14.90% 
Visa Platinum 
1.90% to  5.90% Introductory APR, for qualifying members, for a period of 
12 billing cycles, based on your creditworthiness. 

After that, or if you do not qualify for an Introductory APR, your APR will be 
11.90% to 18.00% , based on your creditworthiness. 

Penalty APR and When it Applies 

Visa Secured 
17.90% 

Visa Platinum 
None 

Visa Secured 
None 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
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. 
If you are charged interest, the charge will be no less than $1.00. 
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 
Annual Fee 
- Annual Fee 

None 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04208549-MXC10-C-1-030220 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Over-the-Credit Limit Fee 
- Returned Payment Fee 

None 
None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
None 
Up to $32.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR - Visa Platinum: 
The  Introductory  APR  for  purchases,  balance  transfers,  and  cash  advances  will  apply  to  transactions  posted  to  your 
account during the first 12 billing cycles following the opening of your account. Any existing balances on FirstLight Federal 
Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of:  March 05, 2020 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Visa  Platinum  and  Visa  Secured  are  secured  credit  cards.  Credit  extended  under 
this credit card account is secured by various personal property and money including, but not limited to: (a) any 
goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a 
separate  Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union 
excluding  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment  under  state  or  federal  law,  and  (d)  collateral  securing  other  loans  you  have  with  the  Credit  Union 
excluding  dwellings.  Notwithstanding the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when 
you  are  a  covered  borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card 
account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
All of these fees will be charged to Your Credit Card Account. 

Stop Payment Fee: 
$32.00. 

Returned Payment Fee: 
$28.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same 
or in any of the six billing  cycles following the  initial  violation,  you  will be charged $32.00  or the amount of the required 
minimum payment, whichever is less. 

Rush Fee: 
$30.00. 

Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment. 

Card Replacement Fee: 
$10.00. 

Document Copy Fee: 
$5.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04208549-MXC10-C-1-030220 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Statement Copy Fee: 
$5.00. 

Pay-by-Phone Fee: 
$5.00 when payment is processed by a live agent. There is no fee when you process the payment yourself via online 
banking. 

Expedited Payment Fee: 
$5.00. 

Returned Visa Statement: 
$5.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04208549-MXC10-C-1-030220 (MXC101-E)