Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Rate Platinum 
F2           to F3           when you open your account, based 
on your creditworthiness. 

Visa Reward Platinum/MasterCard Reward Platinum 
F4           to F5           when you open your account, based 
on your creditworthiness. 
Visa Rate Platinum 
F6           Introductory APR for a period of six billing cycles.  

After that your APR will be F7           to F8          , based on your 
creditworthiness.  

Visa Reward Platinum/MasterCard Reward Platinum 
F9           Introductory APR for a period of six billing cycles.  

After that your APR will be F10         to F11         , based on your 
creditworthiness.  
Visa Rate Platinum 
F12         to F13         when you open your account, based on your 
creditworthiness. 

Visa Reward Platinum/MasterCard Reward Platinum 
F14         to F15         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. 

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 – Visa 

-  Foreign Transaction Fee – MasterCard 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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. 

F16           

F17           
F18           
F19         of each multiple currency transaction in U.S. dollars 
F20         of each single currency transaction in U.S. dollars 
F21         of each transaction in U.S. dollars completed outside the U.S. 
F22         of each transaction in U.S. dollars completed in a foreign 
currency 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Up to F23            
Up to F24           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04502957-MXC40-C-1-010516 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

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How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F25                           , until F26                           .  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F27                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

F28         or the amount of the required minimum payment, whichever is 
less, if you are three or more days late in making a payment. 
F29         or the amount of the required minimum payment, whichever is 
less. 
F30         or the amount of the returned convenience check, whichever 
is less. 
F31           
F32           
F33           

04502957-MXC40-C-1-010516 (MXC403 CCM003)-e 

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