APPLICATION AND 
SOLICITATION 
DISCLOSURE

VISA PLATINUM/VISA PLATINUM PLUS/VISA GOLD/
VISA GOLD PLUS/VISA CLASSIC/VISA SECURED 

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for
Purchases

Visa Platinum
8.99

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Platinum Plus
10.99

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

12.74

.  This APR will vary with the 

Visa Gold
11.99

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

13.74

.  This APR will vary with the 

Visa Gold Plus
13.99

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

15.74

.  This APR will vary with the 

Visa Classic
18.99

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

20.74

.  This APR will vary with the 

Visa Secured
22.99

CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED

SEE NEXT PAGE for more important information about your account.

SCCU Form CC_APP_SOL_DISC   Rev. 9/17

10420502-MXC10-C-1-081717 (MXC101-E)

APR for Balance Transfers

Visa Platinum

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Platinum Plus

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Gold

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Gold Plus

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Classic

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Secured

CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED

SEE NEXT PAGE for more important information about your account.

SCCU Form CC_APP_SOL_DISC   Rev. 9/17

10420502-MXC10-C-1-081717 (MXC101-E)

APR for Cash Advances

Visa Platinum

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

Visa Platinum Plus

.  This APR will vary with the 

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Gold

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Gold Plus

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

.  This APR will vary with the 

Visa Classic

Introductory APR for a period of six billing cycles.

After that your APR will be
market based on the Prime Rate.

Visa Secured

.  This APR will vary with the 

How To Avoid Paying Interest 
on Purchases - Visa Platinum, Visa 
Platinum Plus, Visa Gold, Visa Gold 
Plus, and Visa Classic

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month.

Paying Interest - Visa Secured

We will begin charging interest on purchases on the transaction date.

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 Web site of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee

- Annual Fee - Visa Platinum, Visa Gold, 
Visa Classic
- Annual Fee - Visa Platinum Plus, VisaGold 
Plus

Transaction Fees

- Balance Transfer Fee
- Cash Advance Fee - Visa Platinum, 
Visa Platinum Plus, Visa Gold, Visa Gold 
Plus, Visa Classic
- Cash Advance Fee - Visa Secured
- Foreign Transaction Fee

Penalty Fees

- Late Payment Fee
- Returned Payment Fee

CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED

None

$25.00

None
$10.00 or 3.00% of the amount of each cash advance, whichever is greater

$25.00
None

Up to $10.00
Up to $25.00

SEE NEXT PAGE for more important information about your account.
SCCU Form CC_APP_SOL_DISC   Rev. 9/17
10420502-MXC10-C-1-081717 (MXC101-E)

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."

Promotional Period for Introductory APR - Visa Platinum, Visa Platinum Plus, Visa Gold, Visa Gold Plus, Visa
Classic:
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your
account during the first six months following the opening of your account.

Effective Date:
The information about the costs of the card described in this application is accurate as of: January 1, 2019.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Secured 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 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:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Annual Fee - Visa Platinum Plus, Visa Gold Plus:
$25.00.

Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Platinum Plus, Visa Gold, Visa Gold Plus, Visa Classic:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Secured:
$25.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee:
$2.00 per document.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00 per document.

Initial Here

CUNA MUTUAL GROUP, 2009, 10, 12, 16  ALL RIGHTS RESERVED

SEE NEXT PAGE for more important information about your account.

SCCU Form CC_APP_SOL_DISC   Rev. 9/17

10420502-MXC10-C-1-081717 (MXC101-E)