Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Minimum Interest Charge 

(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:5)(cid:9)(cid:3)(cid:10)(cid:11)(cid:12)(cid:6)(cid:7)(cid:13)(cid:14)(cid:12)(cid:3)(cid:14)(cid:13)
F1

APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Premier and Visa Platinum Premier PLUS 

F2             to F3             when you open your account, 
11.90%
9.90%
based on your creditworthiness. 

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F4             to F5             when you open your account, 
13.90%
11.90%
based on your creditworthiness. 

Visa Share Secured 

F6             
17.89%.
Visa Platinum Premier and Visa Platinum Premier PLUS 

F7             to F8             when you open your account, based on your 
12.90%
creditworthiness. 

14.90%

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F9             to F10           when you open your account, based on your 
14.90%
creditworthiness. 

15.90%

Visa Share Secured 

F11           
17.89%
Visa Platinum Premier and Visa Platinum Premier PLUS 

F12           to F13           when you open your account, based on your 
9.90%
creditworthiness. 

11.90%

Visa Platinum Rewards and Visa Platinum Rewards PLUS 

F14           to F15           when you open your account, based on your 
11.90%
creditworthiness. 

13.90%

Visa Share Secured 

F16           
17.89%
If you are charged interest, the charge will be no less than F17           
The minimum interest charge will be charged on any dollar amount. 

$.01.

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 Federal 
Reserve Board 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DUTDR0 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
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 

F18           
None

F19           
None
F20           
None
1% of each multiple currency transaction in U.S. dollars 
F21           of each single currency transaction in U.S. dollars 
.80%

Up to F22            
$30.00
F23           
None
Up to F24           
$20.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F25            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

July 1, 2012.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F26           or the amount of the required minimum payment, whichever 
$25.00
is less, if you are ten (10) or more days late in making a payment. In 
the event you fail to make a payment on time in any of the six (6) billing 
cycles following the violation, you will be charged F27           or the 
amount of the required minimum payment, whichever is less. 
F28           or the amount of the required minimum payment, whichever 
$20.00
is less. 
F29           
$10.00
F30           
$25.00
F31           
$15.00

$30.00

DUTDR0 (MXC400 CCM001)-e