Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Platinum Awards 
F2          to F3          when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Preferred Rate 
F4          to F5          when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Platinum Awards 
F6          to F7          when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Preferred 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. 
Platinum Awards 
F10        to F11        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Preferred Rate 
F12        to F13        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

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 

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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee - Platinum Awards 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F14           
F15           
F16           
F17           
F18           
F19           

F20           
F21           
F22        of each transaction in U.S. dollars 
F23           

Up to F24            
Up to F25           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

03900712-MXC40-P-1-012616 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

PLATINUM AWARDS/PREFERRED RATE7.95%12.95%6.95%17.95%7.95%12.95%6.95%17.95%7.95%12.95%6.95%17.95%NoneNoneNoneNoneNoneNoneNoneNone1.00%None$25.00$10.00 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F26                           .  
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 

F27        or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F28        or the amount of the required minimum payment, whichever is 
less. 

03900712-MXC40-P-1-012616 (MXC403 CCM003)-e 

January 1, 2016$25.00$10.00