VISA PLATINUM 
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

8.90% 
on your creditworthiness. 
8.90% 
creditworthiness. 
8.90% 
creditworthiness. 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

to 17.50% when you open your account,  based 

to 17.50%  when you open your account, based on your 

to 17.50%  when you open your account, based on your 

APR for Cash Advances 

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 
Annual Fee 
- Annual Fee 
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 

None 

None 
None 
1.00%  of each multiple currency transaction in U.S. dollars 
1.00%  of each single currency transaction in U.S. dollars 
None 

Up to $25.00 
None 
Up to $25.00 

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 July 5, 2016 
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 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

$25.00   or the amount of the required minimum payment, whichever is 
less, if you are five or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 
$5.00 
Up to $65.00 
$5.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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