CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

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 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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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.  
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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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

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F10        of each transaction in U.S. dollars 
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Up to F12            
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Up to F14           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
PIN Replacement Fee 
Card Replacement Fee 
Card Recovery Fee 

F15        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F16        or the amount of the required minimum payment, whichever is 
less. 
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©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
Collection Costs. After default and upon referral to an attorney, who is not an employee of the Credit Union, you agree to 
pay all costs of collecting the amount you owe under this Agreement, including, if the unpaid balance under this plan is 
greater than $300.00 at the time of collection, reasonable attorney's fees. 

Periodic Rates. 

The Purchase APR is F24        which is a monthly periodic rate of F25           
The Balance Transfer APR is F26        which is a monthly periodic rate of F27           
The Cash Advance APR is F28        which is a monthly periodic rate of F29           

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