PLATINUM MASTERCARD/GOLD MASTERCARD/CLASSIC   
MASTERCARD/SECURED MASTERCARD   

CONSUMER CREDIT CARD AGREEMENT   

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card  Account 
Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the 
Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who  agree  to  be  bound  by  this 
Agreement;  "card"  means  the  MasterCard  credit  card  and  any  duplicates,  renewals,  or  substitutions  the  Credit  Union  issues  to 
you;  "account"  means  your  MasterCard  credit  card  line-of-credit  account  with  the  Credit  Union;  and  "Credit  Union"  means  the 
Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.   
1.  USING  YOUR  ACCOUNT  —  If  you  are approved for an account, the Credit Union  will  establish  a line of credit for  you.  You 
agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which you 
will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the 
credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, 
the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically  (notwithstanding  the  requirements  of  the 
paragraph  entitled  “Statements  and  Notices”)  explaining  your  right  to  opt  in  to  the  Credit  Union’s  program  whereby  it  will  honor 
advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You 
may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or 
decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by 
law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you 
that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you 
use  a  convenience  check,  it  will  be  posted  to  your  account  as  a  cash  advance.  We  reserve  the  right  to  refuse  to  pay  a 
convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.   
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to 
stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in 
writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the  check  for  payment  to  give  us  a 
reasonable  opportunity  to  act  on  your  request.  In  addition,  your  request  must  accurately  describe  the  check  including  the  exact 
account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may 
make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within 
that time. Written stop payment orders are effective only for six   
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. 
We are not required to notify  you when a stop payment order expires. If we re-credit your account after paying a check or draft 
over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all 
of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify 
and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop 
payment  request  or  in  failing  to  stop  payment  of  an  item  as  a  result  of  incorrect  information  provided  to  us  or  the  giving  of 
inadequate time to act upon a stop payment request.   
1.  USING YOUR CARD — You understand that the use of your credit card or credit card account will constitute 

acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The 
credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for 
goods or services over the Internet, you may be required to provide card number security information before you will be 
permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the 
credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain 
cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your 
card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal 
transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are 
permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in 
transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and 
include, but are not limited to, wire transfers and money orders. This paragraph shall not be interpreted as permitting or 
authorizing any transaction that is illegal.   

2.  PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience 

checks or any other charge) made to your account by you or anyone you authorize to use your account. You   

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved DPAGU2 (MXC500 CCM002)   

   
 
 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or another 
agreement  you made  with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to  your 
account.   
1.  PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the 
Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the 
payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for 
your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, 
balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The 
initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is 
lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the 
rates and the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Introductory 
Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of 
transaction based on the terms of this Agreement.   

2.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that 
billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the 
previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the 
date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay 
the entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to accrue 
on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance 
is posted to your account, whichever is later (transaction date).   

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by 
applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take 
the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new  purchases,  and  subtract  any  payments  and/or  credits. 
This gives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and 
divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. Balance transfers 
are calculated in the same manner as purchases.   
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. 
To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, 
add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives 
us the daily balance of cash advances. We then add all of the daily balances of cash advances for the billing cycle together and 
divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances.   
6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your account in 
U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated 
exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction 
is the rate MasterCard selects for the applicable currency on the day the transaction is processed. This rate may differ from the 
rate applicable on the date the transaction occurred or was posted to your account. A fee (finance charge) will be charged on all 
transactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. 
dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying 
this Agreement.   
7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your 

account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may 
also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.   

a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your 
card. Each year following, the annual fee will be charged to your account during the same month that you were first charged the 
fee. The fee will be charged each year until your account is closed and paid in full.   
b. Currency Conversion Assessment or Cross Border Assessment (Finance Charge). If your account is subject to a 
Currency Conversion Assessment or Cross Border Assessment (finance charge), a fee may be charged to your account for 
transactions made outside of the United States or in a foreign currency.   
c. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you do not 
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on the 
Disclosure accompanying this Agreement.   
d. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a 
payment is returned for any reason.   
e. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the 
request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy 
of a sales draft or statement that you request.   
d. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be 
charged to your account for each copy of a sales draft or statement that you request (except when the request is made in 

 
 
connection with a billing error made by the Credit Union).   
g. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account 
for each rush card that you request, providing delivery of the card is also available by standard mail service, without paying a fee 
for delivery.   
h. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will be charged 
to your account for each emergency replacement card that is issued to you.   
i. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account whenever 
you request a new PIN number for your account.   
j. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card 
that is issued to you for any reason.   
k. Rush Fee. If your account is subject to the Rush Fee, a fee will be charged to your account as disclosed on the Disclosure 
accompanying this Agreement.   

 
1.  PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on 

the statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you 
make extra or larger payments, you are still required to make at least the minimum payment each month your account has a 
balance (other than a credit balance). The minimum payment is 2.00% of your total new balance, or $20.00, whichever is 
greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to 
demand immediate payment of any amount by which you are over your credit limit.   

2.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in 
any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required 
minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest annual 
percentage rate and any remaining portion to the other balances in descending order based on applicable annual percentage 
rate. We may accept checks marked "payment in full" or with words of similar effect without losing any of our rights to collect 
the full balance of your account with us.   

3.  SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under any 
common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of 
shares by signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts 
that have been specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged 
amount.   

Collateral  securing  other  loans  you  have  with  the  Credit  Union  may  also  secure  this  loan,  except  that  a  dwelling  will  never  be 
considered as security for this account, notwithstanding anything to the contrary in any other agreement.   
11. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date that it is 
due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for 
bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make 
any false or misleading statements in any credit application or credit update. You will also be in default if something happens that 
the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union 
has the right to demand immediate payment of your full account balance without giving you notice. If immediate payment is 
demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe has been 
paid, and any shares that were given as security for your account may be applied towards what you owe.   
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally 
or in writing, at 2060 red Lion Rd., PO Box 52458, Philadelphia, PA 19115 or telephone (215) 9690777 Monday through Saturday 

during normal business hours Eastern Time, (800) 342-0008 Monday through Saturday after normal business hours Eastern Time 
or (800) 991-4965 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be 
liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the 
loss, theft, or possible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or 
theft, if you have not reported two (2) or more incidents of unauthorized use in the last 12 months, and if your account is in good 
standing, you will not be liable for any unauthorized purchase transactions. In any case, your liability will not exceed $50.00.   
13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of this 

Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable 
law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to 
future transactions.   

 
 
 
 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect 
your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to 
pay the account balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and 
regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions  made  to  your  account  after 
termination, unless the transactions were unauthorized.   
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all 
cards  upon  request  or  upon  termination  of  this  Agreement  whether  by  you  or  the  Credit  Union.  If  this  is  a  joint  account,  the 
paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.   
1.  CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for authorized 
users that you designate. You must notify us in writing of any termination of an authorized user's right to access your account. 
Your letter must include the name of the authorized user and your account number and/or any subaccount number issued to 
the authorized user along with the authorized user's card and any convenience or other access checks issued to the 
authorized user. If you cannot return the authorized user's card or access checks and if you request your account to be 
closed, we will close your account and you may apply for a new account.   

2.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit standing 
when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to 
credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or 
emergency card replacement services, and you request such services, you agree that we may provide personal information 
about you and your account that is necessary to provide you with the requested service(s).   

3.  RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns or adjustments, 

and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments 
exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit 
balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months.   
4.  ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to 
your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not 
obligated to offer such services and may withdraw or change them at any time.   

5.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor 
your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you 
purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant 
or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in 
sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home.   

6.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all amounts 
owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire 
amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. 
Any one of you may terminate the account and the termination will be effective as to all of you.   

7.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even though 

the sales, cash advances, credit or other slips you sign or receive may contain different terms.   

8.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.   
9.  STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriate address you 

have given the Credit Union. Notice sent to any one of you will be considered notice to all.   

10.  SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the terms and 

conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged oral 
agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this 
Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreement.   

11.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.   
12.  GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gambling transaction.   
13.  PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 

purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are subject 
to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty Rate.   

14.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 

Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to add 
the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our option we 
will change your payment or the period of time necessary to repay the loan balance. The rate used to determine the fees or 
insurance charges may change in the future. If the rate changes, we will provide any notices required by applicable law.   
15.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and the 

Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.   

16.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE 

MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, 
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.   

 
Your Billing Rights: Keep this Document for Future Use   
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.   

What To Do If You Find A Mistake On Your Statement   
If you think there is an error on your statement, write to us at the address listed on your statement. In your letter, give us the 
following information: -Account information: Your name and account number. -Dollar amount: The dollar amount of the 
suspected error. -Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why 
you believe it is a mistake. You must contact us: -Within 60 days after the error appeared on your statement. -At least 3 business 
days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify 
us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any 
potential errors and you may have to pay the amount in question.   
What Will Happen After We Receive Your Letter   
When we receive your letter, we must do two things:   
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error.   

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.   

While we investigate whether or not there has been an error: -We cannot try to collect the amount in question, or report you as 

delinquent on that amount. -The charge in question may remain on your statement, and we may continue to charge you interest 
on that amount. -While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
-We can apply any unpaid amount against your credit limit.   

After we finish our investigation, one of two things will happen: -If we made a mistake: You will not have to pay the amount in 

question or any interest or other fees related to that amount. -If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our 
explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do 
so, we cannot report you as delinquent without also reporting that you are questioning your bill.   
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question even if your bill is   
correct.   

 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases   
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.   
To use this right, all of the following must be true:   
1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase 
price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the goods or services.)   

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that 

accesses your credit card account do not qualify.   
3.  You must not yet have fully paid for the purchase.   

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at the 
address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation,   
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.   

 
APPLICATION AND 
SOLICITATION 
DISCLOSURE PLATINUM 
MASTERCARD/GOLD 
MASTERCARD/CLASSIC 
MASTERCARD/SECURED MASTERCARD 

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

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

DPAGR4 (MXC402 CCM002)-e   

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

Platinum MasterCard    Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Balance Transfers   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Cash Advances   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles.    After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

How to Avoid Paying Interest on Purchases    Your due date is at least 27 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau   

Fees   
Annual Fee -Annual Fee – Platinum 
MasterCard    - Annual Fee – Gold MasterCard   
- Annual Fee – Classic MasterCard -Annual 
Fee – Secured MasterCard   
Transaction Fees -Currency Conversion 
Assessment or Cross Border Assessment   

Penalty Fees -Late Payment Fee -Returned 
Payment Fee   
OTHER DISCLOSURES   
Late Payment Fee    - Platinum MasterCard 

Late Payment Fee    - Gold MasterCard 

Late Payment Fee    - Classic MasterCard   

Late Payment Fee    - Secured MasterCard   

Returned Payment Fee 

Statement Copy Fee   
Document Copy Fee   
Rush Fee   
Rush Fee (Weekend or Next Day)   
Emergency Card Replacement Fee   

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.   

NoneNoneNone$35.00 
  of each transaction in U.S. dollars completed outside the U.S.    of 
each transaction in U.S. dollars completed in a foreign currency 
0.80%0.20% 

Up to Up to $15.00$25.00 

  or the amount of the required minimum payment, whichever is $15.00 
less, if you are one (1) or more days late in making a payment.   
  or the amount of the required minimum payment, whichever is $15.00 
less, if you are eight (8) or more days late in making a payment.   
  or the amount of the required minimum payment, whichever is $15.00 
less, if you are eight (8) or more days late in making a payment.   
  or the amount of the required minimum payment, whichever is $15.00 
less, if you are eight (8) or more days late in making a payment.   
  or the amount of the required minimum payment, whichever is $25.00 
less.   
$3.00 
$5.00 
$18.00 
$25.00 
$5.00 
$

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

Platinum MasterCard    Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Balance Transfers   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Cash Advances   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles.    After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

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

Introductory APR (Platinum MasterCard). When the discounted period expires the APR on existing balance will continue until 
paid off or for a period of 24 months, whichever occurs first.   

Loss of Introductory APR. We may end your Introductory APR if you make a late payment. With the loss of your Introductory 
APR, your APR for Platinum MasterCard will be a rate of 9.99%. 

Platinum MasterCard – 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.     

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

Platinum MasterCard    Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Balance Transfers   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles. After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

APR for Cash Advances   

Platinum MasterCard Introductory APR for a period of six (6) billing 
cycles.    After that your APR will be Gold MasterCard Classic 
MasterCard Secured MasterCard 2.99%9.99%11.90%12.90%15.90% 

Effective Date.     
The information about the costs of the card described in this application is accurate as of October 1, 2012.This information may 
have changed after that date. To find out what may have changed, contact the Credit Union.