Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum 
F2           to F3           Introductory APR for a period of 12 
billing cycles, based on your creditworthiness.  

After that your APR will be F4           to F5            , based 
on your creditworthiness.  

Visa Secured 
F6             
Visa Platinum 
F7           to F8           Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

After that your APR will be F9           to F10         , based on your 
creditworthiness.  

Visa Secured 
F11           
Visa Platinum 
F12         to F13         Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

After that your APR will be F14         to F15         , based on your 
creditworthiness.  

Visa Secured 
F16           

 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 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  International Service Assessment Fee 

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. 

F17         of the amount of each balance transfer 
F18         of each multiple currency transaction in U.S. dollars 
F19         of each single currency transaction in U.S. dollars 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

Up to F20            
Up to F21           
Up to F22           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00903275-MXC40-P-2-022415 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Visa  Platinum  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases,  balance  transfers, 
and cash advances will apply to transactions posted to your account  during the first 12 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 F23                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F24         or the amount of the required minimum payment, whichever is 
less, if you are ten 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 F25         or the 
amount of the required minimum payment, whichever is less. 
F26         or the amount of the transaction exceeding your approved 
credit limit, whichever is less. In the event you exceed your credit limit 
in the same or in any of the six billing cycles following the initial 
violation, you will be charged F27         or the amount of the transaction 
exceeding your approved credit limit, whichever is less. 
F28         or the amount of the required minimum payment, whichever is 
less. In the event a payment is returned in the same or in any of the six 
billing cycles following the initial violation, you will be charged F29           
or the amount of the required minimum payment, whichever is less. 
F30           
F31           
F32           
F33           
F34           

00903275-MXC40-P-2-022415 (MXC403 CCM003)-e