Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA CLASSIC/VISA SECURED/
F1  
VISA PLATINUM
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Classic 
9.98%
F2
on your creditworthiness.

to F3           when you open your account, based 

17.38%

Visa Secured 
17.92%
F4

17.37%

to F6           when you open your account, based 

Visa Platinum 
8.97%
F5
on your creditworthiness.
Visa Classic 
9.98%
F7           to F8           when you open your account, based on your 
creditworthiness.

17.38%

Visa Secured 
17.92%
F9            

17.37%

Visa Platinum 
8.97%
F10         to F11         when you open your account, based on your 
creditworthiness.
Visa Classic 
9.98%
F12         to F13         when you open your account, based on your 
creditworthiness.

17.38%

Visa Secured 
17.92%
F14          

Visa Platinum 
8.97%
F15         to F16         when you open your account, based on your 
creditworthiness.
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

17.37%

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 
Annual Fee 
- Annual Fee
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

None
F17          

None
F18          
None
F19          
1.00%
F20         of each multiple currency transaction in U.S. dollars
0.80%
F21         of each single currency transaction in U.S. dollars
None
F22          

SEE NEXT PAGE for more important information about your account. 

DFLUY4 (MXC403 CCM003)-e 

 
 
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee

$25.00

Up to F23          
None
F24          

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F25                                
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 7, 2016.

OTHER DISCLOSURES 

Late Payment Fee 

Statement Copy Fee 
Card Replacement Fee 
Expedited Card Order Fee 

$25.00
F26         or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment. 
$5.00
F27          
$5.00
F28          
F29         Actual Cost 

DFLUY4 (MXC403 CCM003)-e