Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

VISA PLATINUM CASH BACK 
APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum 

F2             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F3             to F4             
based on your creditworthiness.  

Visa Platinum Rewards 

F5             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F6             to F7             
based on your creditworthiness.  

Visa Platinum Cash Back 

F8             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F9             to F10           
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Visa Platinum 

F11           Introductory APR for a period of 36 billing cycles. 

After that your APR will be F12           to F13           based on your 
creditworthiness.  

Visa Platinum Rewards 

F14           Introductory APR for a period of 36 billing cycles. 

After that your APR will be F15           to F16           based on your 
creditworthiness.  

Visa Platinum Cash Back 

F17           Introductory APR for a period of 36 billing cycles. 

After that your APR will be F18           to F19           based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Visa Platinum 

F20           to F21           when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards 

F22           to F23           when you open your account, based on your 
creditworthiness. 

Visa Platinum Cash Back 

F24           to F25           when you open your account, based 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. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F26           of each multiple currency transaction in U.S. dollars 
F27           of each single currency transaction in U.S. dollars 

Up to F28            
Up to F29           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Promotional Period for Introductory APR. The Introductory APR for purchases will apply to transactions posted to your 
account during the first 180 days following issuance of your card. The Introductory APR for balance transfers will apply to 
transactions posted to your account until F30            

Effective Date.  
The information about the costs of the card described in this application is accurate as of F31            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

F32           or the amount of the required minimum payment, whichever 
is less, if you are one (1) or more days late in making a payment. 
F33           or the amount of the required minimum payment, whichever 
is less. 
Document Copy Fee 
F34           
Rush Fee 
F35           
Emergency Card Replacement Fee 
F36           
F37           
Card Recovery Fee 
Representative-Assisted Expedited Payment Fee  F38           

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