P.O. Box 2469 
Pocatello, ID 83206-2469 
(208) 478-3300 
(800) 456-5067 
Fax: (208) 239-3055 
www.iccu.com                                                                        CREDIT CARD ACCOUNT OPENING DISCLOSURE 

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.  
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 
Penalty APR and When it Applies 

8.79% - 16.90% 
8.79% - 16.90% 
8.79% - 16.90% 
18.00% 

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Transaction Fees 
•  Foreign Transaction 

Penalty Fees 
•  Late Payment 
•  Over-the-Credit Limit 
•  Returned Payment 

This APR may be applied to the entire balance on your account if you: 
•  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due.  
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 
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.  

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

Up to $15.00 
Up to $25.00 (if applicable) 
Up to $20.00 

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchase)." See 
your account Agreement for more details. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account Agreement. 

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 
Returned Payment Fee   
Statement Copy Fee 
Card Replacement Fee   
Research Fee 
Photocopy Fee 

$15.00 or the amount of the required minimum payment, whichever is less, if you are ten 
or more days late in making a payment. 
$25.00 or the amount of the transaction exceeding your credit limit, whichever is less. 
$20.00 or the amount of the required minimum payment, whichever is less. 
$2.00 
$10.00 
$30.00 per hour 
$2.00 

Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court 
costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees. 

Rev. 03/16