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

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum 

F2          to F3              
when you open your account, based on your creditworthiness. 

Visa Platinum Rewards 

F4          to F5              
when you open your account, based on your creditworthiness. 

APR for Cash Advances 

Visa Platinum 

F6          to F7              

when you open your account, based on your creditworthiness. 

Visa Platinum Rewards 

F8          to F9              
when you open your account, based on your creditworthiness. 

APR for Balance Transfers 

Visa Platinum 

F10        to F11            

when you open your account, based on your creditworthiness. 

Visa Platinum Rewards 

Minimum Interest Charge 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

F12        to F13            
when you open your account, based on your creditworthiness. 
F14           

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Annual Fees 
-  Annual Fee - Visa Platinum 
-  Annual Fee - Visa Platinum Rewards 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit-Limit Fee 
-  Returned Payment Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F15           
F16           

F17           
F18           
F19           of each multiple currency transaction in U.S. dollars 
F20           of each single currency transaction in U.S. dollars 
F21           

Up to F22           
F23           
Up to F24           

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

Effective Date. The information about the costs of the card described in this application is accurate as of F25            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

DWIHC2 (MXC400 CCM000)-e 

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

 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Card Replacement Fee 
Rush Fee 

F26         or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment. 
F27         or the amount of the required minimum payment, whichever 
is less. 
F28           
F29           
 F30         per card 
 F31           

Balance Transfer APR.  If you are within 30 days of your account open date, the ANNUAL PERCENTAGE RATE of 
6.90%-19.90%, which is a monthly periodic rate of 0.5750% - 1.6583%, for 12 months from the issuance of the balance 
transfer.  When the discounted rate expires, the APR on existing balances will increase to the new non-discount rate on 
the first day of the billing cycle. 

Balance Transfers Limitations:  If you request balance transfers, such transfers must be in amounts not less than 
$200.00 nor greater than $10,000.00. 

DWIHC2 (MXC400 CCM000)-e