APPLICATION AND
SOLICITATION
DISCLOSURE

MASTERCARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

2.99%
account opening.

 Introductory APR, for qualifying members, for one year from

After that, or if you do not qualify for the Introductory APR, your APR will be
13.24%
7.24%
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

 to

APR for Balance Transfers

2.99%
account opening.

Introductory APR, for qualifying members, for one year from

APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

 to

13.24%

After that, or if you do not qualify for the Introductory APR, your APR will be
7.24%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
2.99%
account opening.

Introductory APR, for qualifying members, for one year from

to

After that, or if you do not qualify for the Introductory APR, your APR will be
7.24%
, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
None

13.24%

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.
None
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.

None

None
None
None

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01301054-MXC10-C-1-090319 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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 17, 2020

For California Borrowers, the Mastercard is a secured credit card. 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.
Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered
borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are
not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee:
$5.00.

Statement Copy Fee:
$5.00.

Expedited 2-day Replacement Card Fee:
$35.00.

Expedited 1-day Replacement Card Fee:
$55.00.

Research Fee:
$30.00 per hour (minimum fee of $30.00).

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01301054-MXC10-C-1-090319 (MXC101-E)