SEE NEXT PAGE for more important info rmation about your account.  
  
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved             10426247 -MXC10 -C-2-052521 (MXC102 -E) 
 
  APPLICATION AND 
SOLICITATION 
DISCLOSURE      
      
Interest Rates and Interest Charges  
 
Annual Percentage Rate (APR) for 
Purchases     
MyRewards Signature/MyRewards/Secured  
0.00%  Introductory APR for six months from account opening.  
 
After that, your APR will be 11.90 % to 21.90 %, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
 
    
   
Wescom Active  
0.00%  Introductory APR for 12 months from account opening.  
 
After that, your APR will be 9.9% to 19.9%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
    
 
   
Bruin Edge Signature/Bruin Edge/Bruin Choice  
0.00%  Introductory APR for six months from account opening.  
 
After that, your APR will be 13.90 % to 23.90 %, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
    
     
 
APR for Balance Transfers  MyRewards Signature/MyRewards/Secured  
0.00%  Introductory APR for six months from account opening.  
 
After that, your APR will be 11.90 % to 21.90 %, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
 
 
Wescom Active  
0.00%  Introductory APR for 12 months from account opening.  
 
After that, your APR will be 9.9% to 19.9%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.  
 
 
Bruin Edge Signature/Bruin Edg e/Bruin Choice  
0.00%  Introductory APR for six months from account opening.  
 
After that, your APR will be 13.90 % to 23.90 %, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
         
   
  SEE NEXT PAGE for more important info rmation about your account.  
  
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved             10426247 -MXC10 -C-2-052521 (MXC102 -E) 
 
 
APR for Cash Advances  MyRewards Signature/MyRewards/Secured  
11.90 % to 21.90 %, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
  
 
Wescom Active  
9.9% to 19.9%, when you open your account, based on your 
creditworthiness. This APR will vary with the market  based on the Prime 
Rate.  
  
 
Bruin Edge Signature/Bruin Edge/Bruin Choice  
13.90 % to 23.90 %, when you open your account, base d on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
   
        
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 days after the close of each billing cycle. You will 
not be charged interest on purchases if You pay Your entire balance by the 
due date each month and Your previous balance is zero or a credit balance.    
     
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.  
    
 
Fees   
  
Transaction Fees   
 
- Balance Transfer Fee  $2.00  or 2.00%  of the amount of each balance transfer, whichever is greater 
(Maximum Fee: $50.00 ) 
 
- Cash Advance Fee  $2.00  or 2.00%  of the amount of each cash advance, whichever is greater 
(Maximum Fee: $50.00 ) 
 
- Foreign Transaction Fee  None  
      
Penalty  Fees   
  
- Late Payment Fee  Up to $15.00  
  
- Returned Payment Fee  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 - MyRewards Signature, MyRewards, Bruin Edge Signature, Bruin Edge, 
Bruin Choice, and Secured:  
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 
six months following the opening of you r account. Any existing balances on Wescom Central Credit Union loan or credit 
card accounts are not eligible for the Introductory APR for balance transfers.  
 
Promotional Period for Introductory APR - Wescom Active:  
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 
12 months following the opening of your account. Any existing balances on Wescom Central Credit Union loan or credit 
card accounts are not eligible for the Introductory AP R for balance transfers.  
 
Effective Date:  
The information about the costs of the card described in this application is accurate as of: July 1, 2022.  
This information may have changed after that date. To find out what may have changed, contact the Credit Union.   
  
  
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved             10426247 -MXC10 -C-2-052521 (MXC102 -E) 
 
 
 
For California Borrowers, the Sec ured is a secured credit card. 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 collatera l 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 sta te or federal law, and 
(d) collateral securing other loans you have with the Credit Union excluding dwellings.   
Other Fees & Disclosures:  
Late Payment Fee:  
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a 
payment.  
 
Balance Transfer Fee (Finance Charge):  
$2.00 or 2.00% of the amount of each balance transfer, whichever is greater, however, the  fee will never exceed $50.00. 
However, the fee will not be assessed on transactions posted during the Promotional Period stated on the previous page.  
 
Cash Advance Fee (Finance Charge):  
$2.00 or 2.00% of the amount of each cash advance, whichever is great er, however, the fee will never exceed $50.00.  
 
Returned Payment Fee:  
$25.00 or the amount of the required minimum payment, whichever is less.  
 
Card Replacement Fee:  
$5.00.  
 
Rush Fee:  
$18.00.  
 
Statement Copy Fee:  
$5.00 per document.