� CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved 04804927-MXC10-C-1-050422 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Credit Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Visa Credit Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary with the market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account.10.65% 22.00%
13.25% 24.60%
16.91% 25.00%
15.45%
0.00%
10.65% 22.00%
0.00%
13.25% 24.60%
0.00%
16.91% 25.00%
15.45%
 � CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved 04804927-MXC10-C-1-050422 (MXC102-E)APR for Cash Advances Visa Credit Card
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on
PurchasesYour 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 If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
- Annual Fee None
- Additional Card Fee None
Transaction Fees
- Introductory APR Balance Transfer Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Signature Rewards Card$10.00 or3.00% of the amount of each balance transfer, whichever is
greater
- Balance Transfer Fee
  Visa SecuredNone
- Cash Advance Fee $2.00
- Foreign Transaction Fee
Visa Credit Card
Visa Rewards Credit Card
Visa Secured1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
- Foreign Transaction Fee
Visa Signature Rewards CardNone
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases)
(including new balance transfers and cash advances)."
Introductory APR for Balance Transfers - Visa Credit Card, Visa Rewards Credit Card, and Visa Signature
Rewards Card: We permit balance transfers from most non-University of Wisconsin Credit Union accounts. Any existing
balances on University Of Wisconsin Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.
Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.
SEE NEXT PAGE for more important information about your account.10.65% 22.00%
13.25% 24.60%
16.91% 25.00%
15.45% � CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved 04804927-MXC10-C-1-050422 (MXC102-E)Effective Date: The information about the costs of the card described in this application is accurate as of: .
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Credit Card, Visa Rewards Credit Card, Visa Signature Rewards Card 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.
Other Fees & Disclosures:
LatePayment Fee:$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more
days late in making a payment.
Balance Transfer Fee(Finance Charge) -VisaCreditCard,VisaRewards CreditCard,andVisaSignature Rewards Card:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater. However, this fee is waived for non-
introductory balance transfers.
Cash Advance Fee (Finance Charge): $2.00.
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee: $5.00.
RushFee:$25.00 Monday through Friday for domestic delivery. $45.00 International delivery and Saturday domestic
delivery.
Margins:
Visa Credit Card
Purchases will be charged at  to above the Index.
Balance Transfers will be charged at  to above the Index.
Cash Advances will be charged at  to above the Index.
Visa Rewards Credit Card
Purchases will be charged at  to above the Index.
Balance Transfers will be charged at  to above the Index.
Cash Advances will be charged at  to above the Index.
Visa Signature Rewards
Purchases will be charged at  to above the Index.
Balance Transfers will be charged at  to above the Index.
Cash Advances will be charged at  to above the Index.
Visa Secured
Purchases will be charged at above the Index.
Balance Transfers will be charged at above the Index.
Cash Advances will be charged at above the Index.July 26, 2022
10.70%10.70%10.70%20.25% 12.16%12.16% 20.25%20.25% 12.16%8.50% 19.85%19.85% 8.50%19.85% 8.50%5.90% 17.25%17.25% 5.90%17.25% 5.90%