� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC10-C-1-120219 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVISA SIGNATURE CONNECT REWARDS
 Introductory APR, for qualifying members, for a period of six
billing cycles.
After that, or if you do not qualify for the Introductory APR, your APR will be
to , based on your creditworthiness. This APR
will vary with the market based on the Prime Rate.
CONNECT
to  Introductory APR, for qualifying members,
for a period of six  billing cycles, based on your creditworthiness.
After that, or if you do not qualify for an Introductory APR, your APR will be
 to , based on your creditworthiness. This APR
will vary with the market based on the Prime Rate.
APR for Balance Transfers VISA SIGNATURE CONNECT REWARDS
 Introductory APR, for qualifying members, for a period of six  billing
cycles .
After that, or if you do not qualify for the Introductory APR, your APR will be
to , based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
CONNECT
 Introductory APR, for qualifying members, for a period 
After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account.                to                              
of six billing  cycles.
VISA SIGNATURE CONNECT REWARDS/CONNECT
0.00%
13.74%
21.74%
2.99%
4.99%
8.25%
17.95%
0.00%
13.74%
21.74%
2.99%
8.25%
17.95%
4.99%
to � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC10-C-1-120219 (MXC101-E)APR for Cash Advances VISA SIGNATURE CONNECT REWARDS
 Introductory APR, for qualifying members, for a period of six billing
cycles.
After that, or if you do not qualify for the Introductory APR, your APR will be
to , based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
CONNECT
to  Introductory APR, for qualifying members, for a period of
six billing cycles, based on your creditworthiness.
After that, or if you do not qualify for an Introductory APR, your APR will be            
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
How to Avoid Paying Interest on
PurchasesYour due date is at least 25  days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 - VISA SIGNATURE
CONNECT REWARDSNone
- Annual Fee - CONNECT $25.00 , based on your creditworthiness
Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction FeeNone
$5.00
1.00%  of each  transaction in U.S. dollars  
Penalty Fees
- Late Payment Fee Up to $27.00
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, balance transfers and cash advances
will apply to transactions posted to your account during the first six months following the opening of your account. Any
existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.
Effective Date: The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Fees & Disclosures:
Late Payment Fee:$27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days
late in making a payment.
Annual Fee  -CONNECT :$25.00 based on your creditworthiness
Pay-by-Phone Fee :$15.00.
Rush Fee :$33.00.
0.00%
18.74%
26.74%
2.99%
4.99%
8.25%
17.95%
October 1, 202 1.to