Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

Visa Classic 

to 

when you open your account, based on your creditworthiness. 

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Secured 

Visa Platinum 

to 

APR for Balance Transfers 

Visa Classic 

when you open your account, based on your creditworthiness. 

to 

when you open your account, based on your creditworthiness. 

Visa Secured 

Visa Platinum 

to 

when you open your account, based on your creditworthiness. 

APR for Cash Advances 

Visa Classic 

to 

when you open your account, based on your creditworthiness. 

Visa Secured 

Visa Platinum 

to 

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.
We will not charge you any interest on purchases if you pay your entire
balance by the due date each month. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

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. 

CUNA Mutual Group, 2009, 10, 12 All Rights Reserved 

DFLUY3 (MXC402 CCM002)-e 

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

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

- Transaction Fee for Purchases 

Penalty Fees 

- Late Payment Fee 
- Over-the-Credit Limit Fee 

Up to 

of each mu
of each sin

ltiple currency transaction in U.S. dollars 
gle currency transaction in U.S. dollars 

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 
This  information  may  have  changed  after  that  date.  To  find  out  what  may  have  changed,  contact  the  Credit 
Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Statement Copy Fee 
Card Replacement Fee 
Expedited Card Order Fee 

or the amo
is  less,  if 
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making  a 

DFLUY3 (MXC402 CCM002)-e