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   

Visa Platinum 
7.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Secured 
16.90% 

Visa Platinum 
6.50% or 8.50% Introductory APR until balance subject to Introductory APR 
is paid off, based on your creditworthiness. 
After that, your APR will be 7.90% to 16.90%, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Secured 
16.90% 

Visa Platinum 
7.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Secured 
16.90% 

18.00% 
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 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. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month.   

Minimum Interest Charge 

None 

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 website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900362-MXC10-C-1-102319 (MXC101-E) 

  
  
 
 
           
 
  
  
   
 
 
 
 
   
  
 
 
   
  
 
 
   
  
 
 
   
 
  
 
  
   
        
  
  
   
         
 
 
 
     
       
 
    
   
Fees 
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  

None 

$10.00 or 2.00% of the amount of each balance transfer, whichever is 
greater (Maximum Fee: $75.00) 
$10.00 or 2.00% of the amount of each cash advance, whichever is greater 
(Maximum Fee: $75.00) 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
None 
Up to $25.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
Promotional  Period  for  Introductory  APR  -  Visa  Platinum:  The  Introductory  APR  for  balance  transfers  will  apply  to 
transactions posted to your account during the first 30 days following the opening of your account. Any existing balances 
on Jax Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. 
Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply the Penalty 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:  April  1, 2020. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 
For  California  Borrowers,  the  Visa  Platinum,  Visa  Rewards  and  Visa  Secured  are  secured  credit  cards.  Credit 
extended under this  credit card account is secured by various personal property and money including, but not 
limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for 
this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the 
Credit  Union  excluding  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose 
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit 
Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods 
when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific 
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card 
account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 
Other Fees & Disclosures: 
Late Payment Fee: Your late payment fee will be based on the outstanding balance owed as listed below, if you are three 
or more days late in making a payment: 
Outstanding Balance Owed 
Up to: 
$500.00 or less   
$10.00 or the amount of the required minimum payment, whichever is less; 
$500.01 - $2,000.00 
$20.00 or the amount of the required minimum payment, whichever is less; 
$2,000.01 or greater 
$25.00 or the amount of the required minimum payment, whichever is less; 
Balance Transfer Fee (Finance Charge): $10.00 or 2.00% of the amount of each balance transfer, whichever is greater, 
however, the fee will never exceed $75.00. However, this fee is waived during the promotional period listed above. 
Cash  Advance  Fee  (Finance  Charge):  $10.00  or  2.00%  of  the  amount  of  each  cash  advance,  whichever  is  greater, 
however, the fee will never exceed $75.00. 
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.  
Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less.  
Card Replacement Fee: $20.00.  
Document Copy Fee: $1.00 per page.  
Emergency Card Replacement Fee: $250.00.  
Pay-by-Phone Fee: $9.95.  
Rush Fee: $20.00 overnight. 
Statement Copy Fee: $1.00 per page.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900362-MXC10-C-1-102319 (MXC101-E)