APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM CASH/VISA PLATINUM
REWARDS/VISA PREMIER CASH/VISA PREMIER REWARDS

Visa Platinum
10.00% 17.75%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

,(cid:3)when you open your account,(cid:3)based on your

Visa Platinum Cash/Visa Platinum Rewards
11.50% 17.75%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Premier Cash
15.50% 17.75%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Premier Rewards
15.50% 17.75%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum
10.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

 to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

Visa Platinum Cash/Visa Platinum Rewards
11.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

 to

Visa Premier Cash
17.75%
15.50%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Premier Rewards
15.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

 to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00900391-MXC10-P-1-100317 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum
10.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

to

Visa Platinum Cash/Visa Platinum Rewards
11.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

to

Visa Premier Cash
17.75%
15.50%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Premier Rewards
15.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.75%

to

Penalty APR and When it Applies

Visa Platinum
17.75%

This APR will vary with the market based on the Prime Rate.

Visa Platinum Cash/Visa Platinum Rewards
17.75%

This APR will vary with the market based on the Prime Rate.

Visa Premier Cash
17.75%

This APR will vary with the market based on the Prime Rate.

Visa Premier Rewards
17.75%

This APR will vary with the market based on the Prime Rate.

This APR may be applied to your account if you:
- Make a late payment.

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make six consecutive
minimum payments when due.

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.

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

None

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00900391-MXC10-P-1-100317 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa
Platinum, Visa Platinum Cash/Visa
Platinum Rewards, Visa Premier Cash
- Foreign Transaction Fee - Visa Premier
Rewards
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
None
3.00% of each transaction in U.S. dollars

None

Up to $38.00
Up to $27.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty 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.

December 15, 2017

For California Borrowers, the Visa Platinum, Visa Platinum Cash/Visa Platinum Rewards, Visa Premier Cash and
Visa Premier Rewards 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:
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $38.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$5.00 per document.

Statement Copy Fee:
$5.00 per document.

Account Research Fee:
$20.00 per hour. Minimum $5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00900391-MXC10-P-1-100317 (MXC101-E)