Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

F2     
six months. 

F1 
APPLICATION AND SOLICITATION DISCLOSURE 

 Introductory APR, for qualifying members, for a period of 

APR for Balance Transfers 

APR for Cash Advances 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F3          to F4         , based on your
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F5  
months. 

 Introductory APR, for qualifying members, for a period of six 

After that, or if you do not qualify for the Introductory APR, your APR 
will be F6          to F7  
will vary with the market based on the Prime Rate. 
F8          to F9          when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 , based on your creditworthiness. This APR 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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. 

1.00%
F10    

 of each transaction in U.S. dollars 

Up to $30.00 F11   
Up to $30.00 F12   

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  and  balance  transfers  will  apply  to 
transactions posted to your account during the first six months following the opening of your account.  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F13                          .  
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 

Rush Fee 
Card Replacement Fee 

 or the amount of the required minimum payment, whichever is 

 or the amount of the required minimum payment, whichever is 

F14    
$30.00
less, if you are ten or more days late in making a payment. 
F15    
$30.00
less. 
$30.00
F16    
F17    
$5.00

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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