Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Platinum 
F2             , F3             , F4             ,
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

 or  F5             

F1             

Visa Platinum Preferred 
F6             Introductory APR for a period of 12 billing cycles.  

After that your APR will be F7             , F8             , or 
F9            , based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 

Visa Platinum Share Secured 
F10           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F11           
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 
F12           , F13           , F14           , or F15           when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum Preferred 
F16           Introductory APR until F17          (cid:8192)(cid:8192)(cid:8192)(cid:8192) .  

After that your APR will be F18           , F19           , or F20           , 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

Visa Platinum Share Secured 
F21           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F22           
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 
F23           , F24           , F25           , or F26           when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

APR for Balance Transfers 

APR for Cash Advances 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

10200094-MXC40-C-1-052715 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Visa Platinum Preferred 
F27           , F28           , or F29           when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

Visa Platinum Share Secured 
F30           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F31           
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 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F32           of each multiple currency transaction in U.S. dollars 
F33           of each single currency transaction in U.S. dollars 

Up to F34            
Up to F35           

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

Visa Platinum Preferred – Promotional Period for Introductory APR: The Introductory APR for purchases will apply to 
transactions  posted  to  your  account  during  the  first  12  months  following  the  opening  of  your  account.  The  Introductory 
APR for balance transfers will apply to transactions posted to your account from F36          (cid:8192)(cid:8192) , until  F37           (cid:8192)      .  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F38                               .  
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 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Non-TFCU ATM Fee 
Copy of Visa Voucher Fee 

F39           of the interest due, if you are ten or more days late in making 
a payment. However, the fee will not exceed F40           . 
F41           or the amount of the required minimum payment, whichever 
is less.  
F42           or the amount of the returned convenience check, whichever 
is less.  
F43           
F44           
F45           
F46           
F47           
F48           
F49           
F50           

10200094-MXC40-C-1-052715 (MXC403 CCM003)-e