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

F1  
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum 

F2             
10.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Awards 

F3             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F4             
12.25%
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Share Secured Visa 

F5             
17.89%
Visa Platinum 

F6             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Awards 

F7             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F8             
12.25%
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

Share Secured Visa 

F9             
17.89%
Visa Platinum 

F10           
10.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Awards 

F11           
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F12           
12.25%
This APR will vary with the market based on the Prime Rate. 

Share Secured Visa 

F13           
17.89%
If you are charged interest, the charge will be no less than F14           
The minimum interest charge will be charged on any dollar amount. 

$.01.

Minimum Interest Charge 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DUTDS2 (MXC402 CCM002)-e 

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

 
 
 
 
 
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 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 website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F15           
None

F16           
None
F17           
None
F18       of each multiple currency transaction in U.S. dollars 
1.00%
F19       of each single currency transaction in U.S. dollars 
0.80%

Up to F20            
$25.00
F21           
None
Up to F22           
$15.00

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  F23                                      This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 1, 2012.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F24      or the amount of the required minimum payment, whichever 
$25.00
is less, if you are ten (10) or more days late in making a payment. 
F25      or the amount of the required minimum payment, whichever 
$15.00
is less. 
F26           
$5.00
F27           
$20.00
F28           
$15.00

DUTDS2 (MXC402 CCM002)-e