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

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F3            
F4      

 Introductory APR for a period of six (6) billing cycles. 

After that your APR will be F5      
F6      

 Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F7      
F8      

This APR may be applied to your account if you: 

-  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

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 

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. 

Fees 
Set-up and Maintenance Fees 
-  Additional Card Fee 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F9      

 annually 

F10           or F11       
whichever is greater 
F12       

Up to F13      
Up to F14      

 of the amount of each cash advance, 

 of each transaction in U.S. dollars 

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

Loss  of  Introductory  APR.  We  may  end  your  Introductory  APR  for  purchases,  balance  transfers,  and  cash  advances 
and apply the prevailing non-introductory APR if you are 60 days late in making a payment.  

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F15         
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 

Card Replacement Fee 
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

F16           or the amount of the required minimum payment, whichever 
is less, if you are one (1) 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 initial violation, you will be charged F17           or 
the amount of the required minimum payment, whichever is less. 
F18           or the amount of the required minimum payment, whichever 
is less. 
F19       

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