� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04502957-MXC10-C-1-060221 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum Preferred
 6.99% to  16.50% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
ABNB Black
, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Platinum Preferred
6.99% to 16.50%  when you open your account,  based on your  
creditworthiness. This APR will vary with the market based on the Prime  
Rate.
ABNB Black
9.50% to 12.49%  when you open your account,  based on your  
creditworthiness. This APR will vary with the market based on the Prime  
Rate.
APR for Cash Advances Visa Platinum Preferred
6.99% to 16.50% when you open your account,  based on your  
creditworthiness. This APR will vary with the market based on the Prime  
Rate.
ABNB Black
9.50% to 12.49%  when you open your account,  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 None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee - Visa Platinum
Preferred1.00%  of each multiple currency transaction in U.S. dollars
0.80%  of each single currency transaction in U.S. dollars
- Foreign Transaction Fee - ABNB Black None
Penalty Fees
- Late Payment Fee Up to $29.00
- Returned Payment Fee Up to $29.00
SEE NEXT PAGE for more important information about your account. 9.50% to 12.49% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04502957-MXC10-C-1-060221 (MXC102-E)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 1st, 2021
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California  Borrowers,  the Visa Platinum  Preferred  and ABNB  Black  are secured  credit  cards.  Credit  extended  
under  this credit  card  account  is secured  by various  personal  property  and money  including,  but not limited  to:
(a) any goods  you purchase  with this account,  (b) any shares  you specifically  pledge  as collateral  for this 
account  on a separate  Pledge  of Shares,  (c) all shares  you have  in any individual  or joint  account  with the Credit  
Union  excluding  shares  in an Individual  Retirement  Account  or in any other  account  that would  lose special  tax 
treatment  under  state or federal  law, and (d) collateral  securing  other  loans  you have  with the Credit  Union  
excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$29.00  or the amount  of the required  minimum  payment,  whichever  is less, if you are three  or more days late in making  a 
payment.
Returned Payment Fee:
$29.00  or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$10.00.
Rush Fee:
$25.00.
Statement Copy Fee:
$5.00.