Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM
PLATINUM REWARDS/GLOBAL GOOD/
STUDENT REWARDS/VISA SIGNATURE

Visa Platinum
9.90%

 to

17.90%

, based on your creditworthiness.

Visa Platinum Rewards/Global Good
11.90% 19.90%
 to

, based on your creditworthiness.

Visa Signature
12.90%

APR for Balance Transfers

This APR will vary with the market based on the Prime Rate.

Visa Platinum
6.90%
cycles.

 Introductory APR, for qualifying members, for a period of 12 billing

After that, or if you do not qualify for the Introductory APR, your APR will be
9.90%

, based on your creditworthiness.

17.90%

 to

Visa Platinum Rewards/Global Good
6.90%
cycles.

 Introductory APR, for qualifying members, for a period of 12 billing

After that, or if you do not qualify for the Introductory APR, your APR will be
11.90% 19.90%
 to

, based on your creditworthiness.

Visa Signature
6.90%
cycles.

 Introductory APR, for qualifying members, for a period of 12 billing

After that, or if you do not qualify for the Introductory APR, your APR will 
be 12.90%. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Platinum
9.90%

to

17.90%

, based on your creditworthiness.

Visa Platinum Rewards/Global Good
11.90% 19.90%
to

, based on your creditworthiness.

Visa Signature 
12.90%

How to Avoid Paying Interest on
Purchases

This APR will vary with the market based on the Prime Rate.

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.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-1-121218 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

None
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
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

None
$3.00
1.00% of each transaction in U.S. dollars
None

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days
following the opening of your account. Any existing balances on Summit Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.

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.

December 14, 2018

For California Borrowers, the Visa Platinum, Visa Platinum Rewards/Global Good and Visa Signature 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:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$3.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$3.00.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-1-121218 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Rush Fee:
$55.00.

Statement Copy Fee:
$5.00.

Global Good: Summit Credit Union will donate 15.00% of the interchange fee on every purchase you make to the
Worldwide Foundation for Credit Unions. Donations from your purchases help provide access to the financial building
blocks needed to support families and strengthen economies in communities around the world.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-1-121218 (MXC101-E)