Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

(cid:57)(cid:44)(cid:54)(cid:36)(cid:3)(cid:51)(cid:47)(cid:36)(cid:55)(cid:44)(cid:49)(cid:56)(cid:48)(cid:18)(cid:57)(cid:44)(cid:54)(cid:36)(cid:3)(cid:51)(cid:47)(cid:36)(cid:55)(cid:44)(cid:49)(cid:56)(cid:48)(cid:3)(cid:53)(cid:40)(cid:58)(cid:36)(cid:53)(cid:39)(cid:54)(cid:18)
(cid:57)(cid:44)(cid:54)(cid:36)(cid:3)(cid:51)(cid:47)(cid:36)(cid:55)(cid:44)(cid:49)(cid:56)(cid:48)(cid:3)(cid:38)(cid:36)(cid:54)(cid:43)(cid:3)(cid:37)(cid:36)(cid:38)(cid:46)
F1
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
0.00%
F2

Introductory APR for a period of(cid:3)(cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17) F3

After that your APR will be F4
your creditworthiness. 

9.90%

to F5   

18.90%

based on 

Visa Platinum Rewards 
F6

0.00%

Introductory APR for a period of(cid:3)(cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17)
F7
After that your APR will be F8
your creditworthiness. 

11.90%

20.90%

to F9   

based on 

APR for Balance Transfers 

APR for Cash Advances 

Visa Platinum Cash Back 
F10

0.00%

Introductory APR for a period of(cid:3)(cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17) F11

After that your APR will be F12
10.49%
based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Visa Platinum 
F14     

Introductory APR for a period of(cid:3)(cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17) F15

to F13      
19.49%

0.00%

After that your APR will be F16    
creditworthiness. 

9.90%

 to F17  

18.90%

based on your 

Visa Platinum Rewards 
F18    

0.00%

Introductory APR for a period of (cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17)F19

After that your APR will be F20    
creditworthiness. 

11.90%

 to F21  

20.90%

based on your 

Visa Platinum Cash Back 
F22    

0.00%

Introductory APR for a period of (cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17)F23

19.49%

10.49%

 to F25  

After that your APR will be F24    
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Visa Platinum 
F26        to F27     when you open your account, based on your 
creditworthiness.

based on your 

18.90%

9.90%

Visa Platinum Rewards 
F28     
11.90%
creditworthiness.

20.90%

to F29     when you open your account, based on your 

Visa Platinum Cash Back 
F30         to F31     when you open your account, based on your 
10.49%
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

19.49%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DILFZ8 (MXC403 CCM003)-e

SEE NEXT 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 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 
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

F32    
$5.00
greater
F34    
2.00%

or F33    
3.00%

of the amount of each cash advance, whichever is 

of each transaction in U.S. dollars

Up to F35   
Up to F36   

$20.00
$25.00

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 (cid:86)(cid:76)(cid:91)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:3)following issuance of your card. The Introductory APR for balance transfers will
apply to transactions posted to your account until (cid:87)(cid:75)(cid:72)(cid:3)(cid:86)(cid:72)(cid:89)(cid:72)(cid:81)(cid:87)(cid:75)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72).

Effective Date:  
The information about the costs of the card described in this application is accurate as of (cid:36)(cid:88)(cid:74)(cid:88)(cid:86)(cid:87)(cid:3)(cid:20)(cid:15)(cid:3)(cid:21)(cid:19)(cid:20)(cid:24)(cid:17)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

12/30/2015.

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
Card Recovery Fee
Representative-Assisted Expedited Payment Fee

or the amount of the required minimum payment, whichever 

or the amount of the required minimum payment, whichever 

F40    
$20.00
is less, if you are one or more days late in making a payment.
$25.00
F41    
is less.
F42    
$12.00
F43    
$15.00
F44    
$150.00
F45    
$65.00
F46    
$5.00

DILFZ8 (MXC403 CCM003)-e