CONSUMERS CREDIT UNION IMPORTANT CREDIT CARD DISCLOSURES

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate 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.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases

Consumers Low Rate
Mastercard

Consumers Rewards
Mastercard

Consumers Cash Back
Mastercard

5.24% - 22.99%
depending on your credit 
history. This APR will vary with 
the market based on the 
Prime Rate.

11.24% - 22.99%
depending on your credit 
history. This APR will vary with 
the market based on the 
Prime Rate.

13.24% - 22.99%
depending on your credit 
history. This APR will vary with 
the market based on the 
Prime Rate.

APR for Cash Advances

9.24% - 22.99% depending on 
your credit history. This APR 
will vary with the market 
based on the Prime Rate.

15.24% - 22.99% depending 
on your credit history. This 
APR will vary with the market 
based on the Prime Rate.

17.24% - 22.99% depending 
on your credit history. This 
APR will vary with the market 
based on the Prime Rate.

APR for Balance Transfers

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 
9.24% - 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 
15.24% - 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 
17.24% - 22.99% depending 
on your credit history. This 
APR will vary with the market 
based on the Prime Rate.

Penalty APR and When
it Applies

22.99%
This APR may be applied to your account if you make a payment that is late 60 days or more.

Paying Interest

How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we
may keep them at this higher level on existing and new balances until you make six consecutive
on-time payments.

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest
on purchases if you pay your entire new purchase balance by the due date each month. We will
begin charging interest on cash advances and balance transfers on the date the cash advance or
balance transfer is posted to your account.

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

SEE NEXT PAGE for more important information about this account

9009 LASER FI16417 Rev 11-2020

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

FEES:

Fees to Open or
Maintain your Account

• Annual Fee:

None

Transaction Fees

• Balance Transfer:

• Cash Advance:
• Foreign Transaction &
Cross-Border Assessment:

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

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.

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

Up to $28.00 if your payment is late.
None
Up to $28.00 if your payment is returned for any reason.

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.

9009 LASER FI16417 Rev 11-2020

page 2 of 2

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.