KMIZB0 (MXC403 CCM003)-eInterest Rates and Interest Charges
APR for Balance TransfersPurchasesAnnual Percentage Rate (APR) forAPPLICATION AND SOLICITATION DISCLOSURE
CUNA Mutual Group 2009, 10, 12 All Rights ReservedAPR for Cash Advances
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.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. 
Up to
Up toof the amount of each cash advanceFor Credit Card Tips from the 
Consumer Financial Protection BureauVisa Classic        
Introductory APR for a period of six billing cycles.
After that your APR will be , ,
, or , based on your creditworthiness.
Visa Platinum
Introductory APR for a period of six billing cycles.
After that your APR will be , , or
, based on your creditworthiness.
Visa Classic
Introductory APR for a period of 18 billing cycles.
After that your APR will be                ,               , , or,
based on your creditworthiness.
Visa Platinum
Introductory APR for a period of 18 billing cycles.
After that your APR will be , , or based
on your creditworthiness.   
Penalty FeesFees
- Cash Advance Fee
- Foreign Transaction Fee
- Late Payment Fee
- Returned Payment FeeTransaction Fees
of each transaction in U.S. dollarsVisa Classic
Introductory APR for a period of 18 billing cycles.
After that your APR will be                ,                , or based
on your creditworthiness.   
Visa Platinum
Introductory APR for a period of 18 billing cycles.
After that your APR will be                ,                , or based
on your creditworthiness.  
VISA CLASSIC/VISA PLATINUM
3.99%
7.90%
8.90%
10.90%
15.90%
3.99%
7.40%
8.40%
12.40%
3.99%
7.90%
8.90%
10.90%
15.90%
3.99%
7.40%
8.40%
12.40%
2.99%
7.40%
8.40%
12.40%
2.99%
7.40%
8.40%
12.40%
1.00%
1.00%
$25.00
$30.00
 How We Will Calculate Your Balance: We use a method called "average daily balance (including new
purchases)." 
Visa Classic - Promotional Period for Introductory APR: The Introductory APR for balance transfers and cash
advances will apply to transactions posted to your account during the first 18 months following the opening of
your account. The Introductory APR for purchases will apply to transactions posted to your account during the
first six months following the opening of your account. 
Visa Platinum - Promotional Period for Introductory APR: The Introductory APR for balance transfers and cash
advances will apply to transactions posted to your account during the first 18 months following the opening of
your account. The Introductory APR for purchases will apply to transactions posted to your account during the
first six months following the opening of your account. 
Visa Classic - Loss of Introductory APR: We may end your Introductory APR for purchases, balance transfers,
and cash advances and apply the prevailing non-introductory APR if you are 60 days late in making a payment.
Visa Platinum - Loss of Introductory APR: We may end your Introductory APR for purchases, balance
transfers, and cash advances and apply the prevailing non-introductory 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    .
This  information may  have changed after  that  date.  To find out what  may have changed, contact  the Credit 
Union.
OTHER DISCLOSURES
or the amount of the required minimum payment, whichever is
less, if you are five or more days late in making a payment.
or the amount of the required minimum payment, whichever is
less.
or the amount of the returned convenience check, whichever is
less.Late Payment Fee
Returned Payment Fee
Returned Convenience Check Fee
Rush Fee
Pay-by-Phone Fee
KMIZB0 (MXC403 CCM003)-e
January 1, 2016
$25.00
$30.00
$35.00
$30.00
$10.00