APPLICATION AND
SOLICITATION
DISCLOSURE

MASTERCARD LOW-VARIABLE/MASTERCARD VARIABLE
REWARDS

Mastercard Low-Variable
7.25%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.50%

Mastercard Variable Rewards
10.50% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Mastercard Low-Variable
7.25%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.50%

 to

, when you open your account, based on your

Mastercard Variable Rewards
10.50% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Low-Variable
7.25%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.50%

to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Mastercard Variable Rewards
10.50% 18.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Penalty APR and When it Applies

Mastercard Low-Variable
None

Mastercard Variable Rewards
None

Paying Interest

We will begin charging you interest on purchases on the transaction date.

For Credit Card Tips from the
Consumer Financial Protection Bureau

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
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
1.00% of each transaction in U.S. dollars completed outside the U.S.
1.00% of each transaction in U.S. dollars completed in a foreign currency
$5.00 or 3.00% of the amount of each transaction, whichever is greater

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

14900170-MXC10-P-1-032422 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $25.00
Up to $25.00

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

March 30, 2022

For California Borrowers, the Mastercard Low-Variable and Mastercard Variable Rewards are secured credit
cards. Credit extended under this credit card account is secured by various personal property and money
including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 11 or more days late in making a
payment.

Balance Transfer Fee (Finance Charge):
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Transaction Fee for Purchases (Finance Charge):
$5.00 or 3.00% of the amount of each purchase, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$7.00.

Emergency Card Replacement Fee:
$35.00.

Pay-by-Phone Fee:
$25.00.

PIN Replacement Fee:
$35.00.

Rush Fee:
$35.00.

Statement Copy Fee:
$3.00 per document.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

14900170-MXC10-P-1-032422 (MXC102-E)