CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 

VISA PLATINUM 

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 

Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

11.75%
This APR will vary with the market based on the Prime Rate. 
15.75% 
This APR will vary with the market based on the Prime Rate. 
15.75% 
This APR will vary with the market based on the Prime Rate. 
18.00% 

This APR may be applied to Your Account if You: 
- Make a late payment; or 
- Make a payment that is returned. 

How Long Will the Penalty APR Apply? If Your APRs are increased for 
any of these reasons, the Penalty APR will apply until You make six (6) 
consecutive minimum payments when due. 

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. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

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. 

3.00% of each transaction in U.S. dollars 

Up to $27.00 
Up to $27.00 

How We Will Calculate Your Balance: 
We  use  a  method  called  "average  daily  balance  (including  new  purchases)."  See  Your  Account  Agreement  for  more 
details. 

Application of Penalty APR: 
Your  APR  may  be  increased  to  the  disclosed  Penalty  APR  if  You  are  60  days  late  in  making  a  payment  or  make  a 
payment that  is returned. If  your APR’s are increased for this reason, the Penalty  APR  will apply until  you  make six (6) 
consecutive minimum payments when due.  

Billing Rights: 
Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
Agreement. 

Military Lending Act Disclosures: 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC20-C-1-062117 (MXC201-E)

 
 
 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account:  The  costs  associated  with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the 
credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

Please call us at 800-748-0451, Option 4 to receive oral disclosures of the Military  Lending Act disclosure above and a 
description of the payment obligation.  

Other Fees & Disclosures: 
Late Payment Fee: 
Up to $27.00 or the amount of the required minimum payment, whichever is less, if Your payment has not been received 
by the third calendar day of the month following the date that  your payment is due. If Your Account is subject to a Late 
Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within 
the number of days of the statement Payment Due Date set forth on this Disclosure. 

Returned Payment Fee: 
Up to $27.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned 
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 

Card Replacement Fee: 
$7.00.  If  Your  Account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each  replacement  Card  that  is 
issued to You for any reason. 

Document Copy Fee: 
$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to 
Your  Account  for  each  copy  of  a  sales  draft  or  statement  that  You  request  (except  when  the  request  is  made  in 
connection with a billing error made by the Credit Union). 

Emergency Card Replacement Fee: 
$85.00.  If  Your  Account  is  subject  to  an  Emergency  Card  Replacement  Fee,  a  fee  will  be  charged  to  Your  Account  for 
each emergency replacement Card that is issued to You. 

Pay-by-Phone Fee: 
$9.95. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for 
each time You make a payment by telephone as disclosed on this Disclosure. 

Collection Costs: 
You agree to pay all costs of collecting the amount You owe under this Agreement to the extent permitted by state law. 

Periodic Rates: 
The Purchase APR is 11.75% which is a daily periodic rate of 0.03219%. 
The Balance Transfer APR is 15.75% which is a daily periodic rate of 0.04315%. 
The Cash Advance APR is 15.75% which is a daily periodic rate of 0.04315%.     
The Penalty Rate APR is 18.00% which is a daily periodic rate of 0.04932%. 

Variable Rate: 
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
quarterly on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as 
listed  in  the  “Money  Rates”  section  of  the  The  Wall  Street  Journal  on  the  third  business  day  prior  to  the  end  of  each 
calendar quarter, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any 
increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You may pay, may 
increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no 
longer available, the Credit Union will choose a new index which is based upon comparable information. 

Margin: 
Purchases will be charged at 7.00% above the Index.       
Balance Transfers will be charged at 11.00% above the Index. 
Cash Advances will be charged at 11.00% above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC20-C-1-062117 (MXC201-E)