� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01006595-MXC10-C-1-102021 (MXC102-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
VISA SIGNATURE/VISA PLATINUMSTUDENT/VISA CLASSIC/VISA SECURED
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Signature
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Student. This APR will vary with the market based on the Prime Rate.Visa Classic
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Secured
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Balance TransfersVisa Signature to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Student. This APR will vary with the market based on the Prime Rate.Visa Classic to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Secured to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
SEE NEXT PAGE for more important information about your account.07/1/202213.49% 16.49%11.49% 14.49%14.49%13.49% 18.49%11.49% 18.49%
13.49% 16.49%11.49% 14.49%14.49%13.49% 18.49%11.49% 18.49% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01006595-MXC10-C-1-102021 (MXC102-E)APR for Cash AdvancesVisa Signatureto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinumto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Student. This APR will vary with the market based on the Prime Rate.Visa Classicto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Securedto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
Penalty APR and When it Applies Visa SignatureVisa Platinum. This APR will vary with the market based on the Prime Rate.Student. This APR will vary with the market based on the Prime Rate.Visa Classic. This APR will vary with the market based on the Prime Rate.Visa Secured. This APR will vary with the market based on the Prime Rate.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 forthis reason, the Penalty APR will apply until you make six consecutiveminimum payments when due.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
Minimum Interest Charge None
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual FeeNone
SEE NEXT PAGE for more important information about your account.07/1/202213.49% 16.49%11.49% 14.49%14.49%13.49% 18.49%11.49% 18.49%24.99%
19.49%19.49%19.49%19.49% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01006595-MXC10-C-1-102021 (MXC102-E)Transaction Fees
- Balance Transfer Fee$10.00 or3.00% of the amount of each balance transfer, whichever isgreater
- Cash Advance Fee3.00% of the amount of each cash advance
- Foreign Transaction Fee2.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee - Visa Signature,Visa Platinum, Visa Classic, Visa SecuredUp to$37.00 - Late Payment Fee - Student Up to $25.00
- Over-the-Credit Limit FeeNone
- Returned Payment Fee - Visa Signature,Visa Platinum, Visa Classic, Visa SecuredUp to$37.00 - Returned Payment Fee - Student Up to $25.00
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 makinga payment.Effective Date:The information about the costs of the card described in this application is accurate as of: .This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Visa Signature, Visa Platinum, Student, Visa Classic and Visa Secured are securedcredit cards. Credit extended under this credit card account is secured by various personal property and moneyincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specificallypledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual orjoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other accountthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you havewith the Credit Union excluding dwellings.Other Fees & Disclosures:Late
Payment Fee -Visa Signature, Visa Platinum, Visa Classic, Visa Secured :$27.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. In the event you fail to make apayment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount ofthe required minimum payment, whichever is less.Late Payment Fee
 -Student :$25.00 or the amount of the required minimum payment, whichever is less, if you are 15 ormore days late in making a payment.Balance Transfer Fee (Finance Charge)
:$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge)
:3.00% of each cash advance.Returned
Payment Fee-Visa Signature, Visa Platinum, Visa Classic, Visa Secured :$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cyclesfollowing the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever isless.Returned Payment Fee
 -Student :$25.00 or the amount of the required minimum payment, whichever is less.Returned Convenience Check Fee
:$35.00 or the amount of the returned convenience check, whichever is less.Card Replacement Fee
:None.Document Copy Fee
:None.Emergency Card Replacement Fee
:None.Pay-by-Phone Fee
:$8.00.Statement Copy Fee
:$2.00.
SEE NEXT PAGE for more important information about your account.
07/1/2022July 01, 2022 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01006595-MXC10-C-1-102021 (MXC102-E)Variable Rate:The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE issubject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined bythe Prime Rate on the first day of each calendar quarter (January, April, July and October), to which we add a margin. ForVisa Platinum, Student, Visa Classic, and Visa Secured, the ANNUAL PERCENTAGE RATE will never be greater than19.99%. For Visa Signature, the ANNUAL PERCENTAGE RATE will never be greater than 24.99%. Any increase in theANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest you will pay, may increase yourminimum 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.Margins:Visa SignaturePurchases will be charged atWR above the Index. Balance Transfers will be charged atCash Advances will be charged atWRabove the Index.WR above the Index. Visa PlatinumPurchases will be charged atWRBalance Transfers will be charged atCash Advances will be charged atPenalty Rates will be charged atabove the IndexWRabove the Index.WRDEove the Index.above the Index.StudentPurchases will be charged at  above the Index.Balance Transfers will be charged at  above the Index.Cash Advances will be charged at  above the Index.Penalty Rates will be charged at  above the Index.Visa ClassicPurchases will be charged at  to above the Index.Balance Transfers will be charged at  to  above the Index.Cash Advances will be charged at  to  above the Index.Penalty Rates will be charged at  above the Index.Visa SecuredPurchases will be charged at  to  above the Index.Balance Transfers will be charged at  to above the Index.Cash Advances will be charged at  to  above the Index.Penalty Rates will be charged at  above the Index.
07/1/20228.74%
11.74%
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11.74%
6.74% 9.74%
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14.74%9.74%9.74%9.74%14.74%8.74% 13.74%8.74% 13.74%8.74% 13.74%14.74%6.74% 13.74%6.74% 13.74%6.74% 13.74%14.74%