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 Platinum - Preferred Rate 
F2          or F3          when you open your account, based 
on your creditworthiness. 

Visa Platinum 
F4          or F5          when you open your account, based 
on your creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F6          or F7          when you open your account, based 
on your creditworthiness. 

Visa Platinum Rewards 
F8          or F9          when you open your account, based 
on your creditworthiness. 
Visa Platinum - Preferred Rate 
F10        Introductory APR, for qualifying members, for 12 billing cycles. 

After that your APR will be F11        or F12        based on your 
creditworthiness. 

Visa Platinum 
F13        or F14        when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F15        Introductory APR, for qualifying members, for 12 billing cycles. 

After that your APR will be F16        or F17        based on your 
creditworthiness.  

Visa Platinum Rewards 
F18        or F19        when you open your account, based on your 
creditworthiness. 
Visa Platinum - Preferred Rate 
F20       or F21        when you open your account, based on your 
creditworthiness. 

Visa Platinum 
F22        or F23        when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
F24        or F25        when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards 
F26        or F27         when you open your account, based on your 
creditworthiness. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DWIHC5 (MXC402 CCM002)-e 
SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
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.  
F28           
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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F29           

F30           
F31           
F32        of each multiple currency transaction in U.S. dollars 
F33        of each single currency transaction in U.S. dollars 
F34           

Up to F35            
F36           
Up to F37           

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 within 30 days of account opening. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F38            
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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

F39        or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 
F40        or the amount of the required minimum payment, whichever is 
less. 
F41           
F42           
F43           
F44           

Balance  Transfer  Limitations.    If  you  request  balance  transfers,  such  transfers  must  be  in  amount  not  less  than 
$200.00, nor greater than $10,000.00.  The Introductory APR for Balance Transfers will be in effect for 12 months from 
the issuance of the balance transfer. When the discounted rate expires, the APR on existing balances will increase to the 
new non-discount rate on the first day of the billing cycle after the 12 month period. 

DWIHC5 (MXC402 CCM002)-e