Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

VISA/VISA SIGNATURE             

Visa 
8.50% to 13.50% when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 Visa Signature 
10.50% to 15.50% when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa 
8.50% to 13.50% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 Visa Signature 
10.50% to 15.50% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa 
8.50% to 13.50% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 Visa Signature 
10.50% to 15.50% 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 Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
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.  
If you are charged interest, the charge will be no less than $1.00         .  
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 - Visa 
Transaction Fees 
-  Balance Transfer Fee 

-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

None          

$10.00 or  3.00% of the amount of each balance transfer, whichever is 
greater 
$10.00 or 3.00% of the amount of each cash advance, whichever is 
greater 
1.00% of each transaction in U.S. dollars 

Up to $25.00            
Up to $25.00         

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

03105847-MXC40-C-2-093015 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

Minimum Interest Charge: The minimum interest charge will be charged on amounts below $1.00. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of January 1, 2016.  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Balance Transfer Fee 

Late Payment Fee 

Returned Payment Fee 

$10.00 or 3.00% of the amount of each balance transfers, whichever is 
greater. 
$25.00 or the amount of the required minimum payment, whichever is 
less, if you are three or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 

03105847-MXC40-C-2-093015 (MXC403 CCM003)-e