APPLICATION AND
SOLICITATION
DISCLOSURE

VISA SHARE SECURED/VISA CLASSIC/VISA STUDENT

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Visa Share Secured
8.25%

Visa Classic
10.75%

Visa Student
14.50%

Visa Share Secured
8.25%

Visa Classic
10.75%

Visa Student
14.50%
Visa Share Secured
8.25%

Visa Classic
10.75%

Visa Student
14.50%

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
$2.00
1.00% of each transaction in U.S. dollars

Up to $10.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10408870-MXC10-P-1-070821 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

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 1, 2021

For California Borrowers, the Visa Share Secured, Visa Classic and Visa Student 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.

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.

Cash Advance Fee (Finance Charge):
$2.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$25.00.

Document Copy Fee:
$5.00.

Rush Fee:
$50.00.

Statement Copy Fee:
$0.50 per page.

Visa Check Stop Payment Fee:
$15.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10408870-MXC10-P-1-070821 (MXC102-E)