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

APR for Cash Advances 

APR for Balance Transfers 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum, Visa Platinum Bonus Points, Regent Visa 
F2             to F3             when you open your account, 
17.89%
8.99%
based on your creditworthiness. 

Visa Platinum Cashback 
F4             to F5             when you open your account, 
16.89%
7.99%
based on your creditworthiness. 

Share Secured Visa 
F6             
17.89%
Student Visa 
F7             when you open your account, based on your 
13.49%
creditworthiness. 

Employee Visa 
F8             
9.96%
Visa Platinum, Visa Platinum Bonus Points, Regent Visa 
F9             to F10           when you open your account, based on your 
8.99%
creditworthiness. 

17.89%

Visa Platinum Cashback 
F11           to F12           when you open your account, based on your 
7.99%
creditworthiness. 

16.89%

Share Secured Visa 
F13           
17.89%

Student Visa 
F14           when you open your account, based on your 
13.49%
creditworthiness. 

Employee Visa 
F15           
9.96%
Visa Platinum, Visa Platinum Bonus Points, Regent Visa 
F16           to F17           when you open your account, based on your 
8.99%
creditworthiness. 

17.89%

Visa Platinum Cashback 
F18           to F19           when you open your account, based on your 
7.99%
creditworthiness. 

16.89%

Share Secured Visa 
F20           
17.89%

Student Visa 
F21           when you open your account, based on your 
13.49%
creditworthiness. 

Employee Visa 
F22           
9.96%

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

DUTDL0 (MXC400 CCM001)-e 

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

 
 
 
 
 
 
 
 
 
Minimum Interest Charge 

If you are charged interest, the charge will be no less than F23           
The minimum interest charge will be charged on any dollar amount. 

$0.01.

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 

Fees 
Annual Fee 
-  Annual Fee - Visa Platinum Bonus Points 
-  Annual Fee – Visa Platinum, Visa Platinum 

Bonus Points with no Annual Fee, 
     Regent Visa, Share Secured Visa 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

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. 

F24            
$50.00 annually
F25           
None

F26           
None
F27           
None
F28           of each multiple currency transaction in U.S. dollars 
1.00%
F29           of each single currency transaction in U.S. dollars 
0.80%

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

Up to F30            
$25.00,
F31           
None
Up to F32           
$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 F33               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 

F34           or 5% of the amount of the required minimum payment, 
$20.00
whichever is greater, with a maximum amount of F35           if you are 
15 or more days late in making a payment. 
F36           or the amount of the required minimum payment, whichever 
$20.00
is less. 
F37           
$2.50
F38           
$15.00
F39           
$20.00

$25.00,

DUTDL0 (MXC400 CCM001)-e