Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

F1  
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum (Variable) 
to F3           when you open your account, based 
F2
9.70%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

18.00%

Visa Platinum (Non-Variable) 
F4
9.95%

Visa Platinum Secured (Variable) 
F5
15.70%
This APR will vary with the market based on the Prime Rate.
Visa Platinum (Variable) 
F6           Introductory APR for a period of 12 billing cycles. 
2.99%

After that your APR will be F7           to F8          , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

18.00%

9.70%

Visa Platinum (Non-Variable) 
F9            
9.95%

Visa Platinum Secured (Variable) 
F10         Introductory APR for a period of 12 billing cycles. 
15.70%

15.70%

After that your APR will be F11        . This APR will vary with the market 
based on the Prime Rate.
Visa Platinum (Variable) 
F12         to F13         when you open your account, based on your 
11.70%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

18.00%

Visa Platinum (Non-Variable) 
F14          
11.95%

Visa Platinum Secured (Variable) 
F15          
17.70%
This APR will vary with the market based on the Prime Rate.
Visa Platinum (Variable) 
F16          
18.00%

Visa Platinum (Non-Variable) 
F17          
18.00%

Visa Platinum Secured (Variable) 
18.00%
F18          

This APR may be applied to your account if you:

- Make a late payment

How Long Will the 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.

DGAES4 (MXC403 CCM003)-e 
SEE NEXT PAGE for more important information about your account. 

 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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

F19         or F20         of the amount of each cash advance, whichever is 
1.00%
$5.00
greater (Maximum Fee: F21        )
F22         of each transaction in U.S. dollars
1.00%

$50.00

Up to F23          
Up to F24          

$25.00
$25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Visa Platinum (Variable) – Promotional Period for Introductory APR: The Introductory APR for balance transfers will 
apply to transactions posted to your account from F25                                until F26                                 

03/24/17

04/23/17

Visa  Platinum  Secured  (Variable)  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  balance 
transfers will apply to transactions posted to your account from F27                                until F28                                 

04/23/17

03/24/17

Application of Penalty APR: Your APR may be increased to the disclosed Penalty 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 F29                                
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

March 24, 2017

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Statement Copy Fee
Document Copy Fee
Card Replacement Fee
Stop Payment Fee
Expedited Processing Fee
Document Evidence Fee

F30         or the amount of the required minimum payment, whichever is 
$25.00
less, if you are ten or more days late in making a payment.
F31         or the amount of the required minimum payment, whichever is 
$25.00
less.
F32          
$1.00
F33          
$8.00
F34          
$5.00
F35          
$10.00
F36          
$60.00
F37          
$20.00

DGAES4 (MXC403 CCM003)-e