APPLICATION AND 
SOLICITATION 
DISCLOSURE 

VISA/VISA SIGNATURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 

Visa 
7.74% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to  17.99%, when you open your account, based on your 

Visa Signature 
8.74% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to  17.99%, when you open your account, based on your 

Visa 
7.74% 
to  17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Signature 
to  17.99%, when you open your account, based on your 
8.74% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa 
to  17.99%, when you open your account, based on your 
7.74% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Signature 
8.74% 
to  17.99%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Your 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. 

If you are charged interest, the charge will be no less than $0.50. 
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. 

None 

$10.00 or 3.00% of the amount of each cash advance, whichever is greater 
1.00% of each transaction in U.S. dollars 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03105847-MXC10-P-2-082517 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

Up to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)." 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: January 27, 2020.  This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa and Visa Signature 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. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower  under  the Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$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. 

Cash Advance Fee (Finance Charge): 
$10.00 or 3.00% of the amount of each cash advance, whichever is greater. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03105847-MXC10-P-2-082517    (MXC101-E)