Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2             F3             F4             or F5            
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate 
F6             F7             or F8             when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
F9             F10           or F11           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
F12           

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

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 F13            
The minimum interest charge will be charged on any dollar amount. 
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. 

F14           
F15           of each transaction in U.S. dollars 

Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
Up to F16            
-  Late Payment Fee 
-  Returned Payment Fee 
Up to F17           
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Effective Date.  
The information about the costs of the card described in this application is accurate as of F18            
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 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

F19           or the amount of the required minimum payment, whichever 
is less, if you are 16 or more days late in making a payment. 
F20           or the amount of the required minimum payment, whichever 
is less. 
F21           
F22           
F23           
F24           
F25           
F26           

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