APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases 
APR for Balance Transfers  Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 5.24% to 16.74%, based on your creditworthiness.  This APR will  
vary with the market based on the Prime Rate.  
Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 8.74% to 17.99%, based on your creditworthiness.
Secured MasterCard
Your APR will be 11.50%  to 17.50%  when you open your account, based on your 
creditworthiness. 
APR for Cash Advances  Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 5.24% to 16.74%, based on your creditworthiness.  This APR will  vary 
with the market based on the Prime Rate.  
Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 8.74% to 17.99 %, based on your creditworthiness.
Secured MasterCard
Your APR will be 11.50%  to 17.50%  when you open your account, based on your 
creditworthiness. 
�CUNA Mutual Group All Rights Reserved       DNMFI4 (MXC403 CCM003)-e 
SEE NEXT PAGE for more important information about your account 
P.O. Box 18044  
Albuquerque, NM 87185 -0044  
Phone (505)292 -6343  
Fax (505) 256 -6183  
Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 5.24% to 16.74%, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.  
Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 8.74% to 17.99% , based on your
creditworthiness. 
Secured MasterCard  
Your APR will be 11.50% to 17.50%  when you open  
your account, based on your creditworthiness.  How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 
We do not charge you interest on purchases if you pay your entire 
balance by the due date each month.  
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 Web site of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore . 
Fees  
Set-up and Maintenance Fees  
-Annual Fee
-Account Set -up FeeNone  
None  
Transaction Fees  
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction FeeNone  
None  
1.00%  of each transaction in U.S. dollars (Waived for World Rewards 
MasterCard holders)  
Penalty Fees  
-Late Payment Fee
-Over -the-Credit Limit Fee
-Returned Payment FeeUp to $25.00  
None  
Up to $25.00  
How We W ill Calculate Yo ur Bal ance. We use a meth od called �avera ge daily balance (includi ng new purchases).� 
Effective Date. 
The information about the costs of the card described in this application is accurate as of March 18, 2022. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment F ee   $25.00 or t he am ount of th e requir ed m inimu m pa yment, whichev er is less, if 
you are one (
1) or m
ore day
s 
la
te in making a payment. 
Returned Payment Fee $25.00  or the amount of the required minimum payment, whichever is less. 
Statement Copy Fee $3.00  
Card Replacement Fee $5.00  
Stop Payment Fee  $29.00  
Expedited Mailing Service Fee  $35.00 
LOANLINER DNMFI4 (MXC403 CCM003)-e