The following disclosure represents important details concerning your credit card. The information about costs of the card isaccurate as of _________________. You can contact us toll free at (800) 991-2221 or Consumers Credit Union, P.O. Box 525,Oshtemo, MI 49077-0525 to inquire if any changes occurred since the effective date.
9009 LASER FI16417 Rev 11-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
Penalty APR and Whenit AppliesHow Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, wemay keep them at this higher level on existing and new balances until you make six consecutiveon-time payments.APR for Balance Transfers
Paying InterestFor Credit Card Tips fromthe Consumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreYour due
 date is at least 21 days after we mail your billing statement. We will not charge you intereston purchases if you pay your entire new purchase balance by the due date each month. We willbegin charging interest on cash advances and balance transfers on the date the cash advance orbalance transfer is posted to your account.APR for Cash AdvancesConsumers RewardsMastercard
22.99%This APR may be applied to your account if you make a payment that is late 60 days or more.CONSUMERS CREDIT UNION IMPORTANT CREDIT CARD DISCLOSURESINTEREST RATES and INTEREST CHARGES:
6.74% - 22.99%
depending on your credit  
history. This APR will vary with  
the market based on the  
Prime Rate.Annual Percentage Rate(APR) for PurchasesConsumers Low RateMastercard12.74% -  22.99%
depending on your credit  
history. This APR will vary with  
the market based on the  
Prime Rate.
10.74% -  22.99% 
depending on your credit  
history. This APR will vary 
with the market based on 
the Prime Rate.16.74% - 22.99%  
depending on  your 
credit history. This 
APR will vary with  the 
market based on the  
Prime Rate.
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page 1 of 2Consumers Cash BackMastercard
14.74% - 22.99%
depending on your credit  
history. This APR will vary with  
the market based on the  
Prime Rate.
18.74% -  22.99% 
depending on your credit  
history. This APR will 
vary with the market 
based on the  Prime 
Rate.
6.99% Introductory APR for as 
long as a balance remains 
from each balance transfer 
completed within 60 days of 
account opening.
For any transfers completed 
more than 60 days after 
account opening, you 
Standard APR will be  
10.74% - 22.99% depending 
on your credit history. This 
APR will vary with the market 
based on the Prime Rate .6.99% Introductory APR for as 
long as a balance remains 
from each balance transfer 
completed within 60 days of 
account opening.
For any transfers completed 
more than 60 days after 
account opening, you 
Standard APR will be 16.74% 
- 22.99%  depending on your  
credit history. This APR will  
vary with the market based on  
the Prime Rate.6.99% Introductory APR for as 
long as a balance remains 
from each balance transfer 
completed within 60 days of 
account opening.
For any transfers completed 
more than 60 days after 
account opening, you 
Standard APR will be 18.74% 
- 22.99% depending on your  
credit history. This APR will  
vary with the market based on  
the Prime Rate. � Late Payment:� Over-the-Credit Limit:� Returned 
Payment:FEES:
Up to $28.00 if your payment is late.NoneUp to $28.00 if your payment is returned for any reason.Penalty Fees� Balance Transfer:� Cash Advance:� Foreign Transaction &Cross-Border Assessment:Transaction Fees
9009 LASER FI16417 Rev 11-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. page 2 of 2� Annual Fee:Fees to Open orMaintain your AccountNone
4% of the amount of each cash advance with a minimum of $5.00
2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency 
conversion and
0.008% of the Issuer Settlement Amount and
0.002%  of the Issuer Settlement Amount if there is a currency conversion.Balance transfers made within 60 days of account opening: None
All other balance transfers: 4% of the amount of each transfer with a minimum of $5.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate:  We may end your Introductory Rate and apply the Penalty APR disclosed above if you make 
a late payment.