�CUNA Mutual Group 2009,  10, 12 All Rights Reserved 000000 (MXC4XX CCM003)  
SEE NEXT PAGE for more important information about your account.  
 
 
VISA PLATINUM SECUR ED 
VISA PLATINUM REWARD S SECU RED/BUSINESS VISA  
VISA SECURED /STUDENT VISA SECURE D 
APPLICATION AND SOLI CITATION DISCLOSURE   
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  Visa Platinum Secured  
1.99% to 4.99% Introductory APR , for qualifying members,  
for a period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 9.24% to 17.24% , based on your creditworthiness . 
This APR will vary with th e market based on the Prime Rate . 
 
Visa Platinum Rewards Secured  
2.99% to 5.99% Introductory APR , for qualifying members,  
for a period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 10.24% to 18.24% , based on your creditworthiness . 
This APR will vary with th e market based on the Prime Rate . 
 
Business Visa  
1.99% to 6.99% Introductory APR , for qualifying members,  
for a period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 10.99% to 18.00% , based on your creditworthiness .  
 
Visa Secured  
9.99% to 17.99%  when you open your account , based on 
your creditworthiness.  
 
Student Visa Secured  
2.99% to 11.99% Introductory APR , for qualifying members,  
for a period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 9.99% to 17.99 %, based on your creditworthiness .  
APR for Balance Transfers  Visa Platinum Secured  
1.99% to 4.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 11.24% to 18.00 %, based on your creditworthiness . This APR 
will vary with th e market based on the Prime Rate . 
  
 
 000000 (MXC4XX CCM003)  Visa Platinum Rewards Secured  
2.99% to 5.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 12.24% to 18.00 %, based on your creditworthiness . This APR 
will vary with th e market based on the Prime Rate . 
 
Business Visa  
1.99% to 6.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 12.99% to 18.00% , based on your creditworthiness .  
 
Visa Secured  
11.99% to 18.00 % when you open your account , based on your 
creditworthiness.  
 
Student Visa Secured  
2.99% to 11.99% Introductory APR , for qualifying members,  for a 
period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 11.99% to 1 8.00%, based on your creditworthiness . 
APR for Cash Advances  Visa Platinum Secured  
1.99% to 4.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 11.24% to 18.00 %, based on your creditworthiness . This APR 
will vary with th e market based on the Prime Rate . 
 
Visa Platinum Rewards Secured  
2.99% to 5.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 12.24% to 18.00 %, based on your creditworthiness . This APR 
will vary with th e market based on the Prime Rate . 
 
Business Visa  
1.99% to 6.99% Introductory APR , for qualifying members,  for a period 
of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 12.99% to 18.00% , based on your creditworthiness .  
 
Visa Secured  
11.99% to 18.00 % when you open your account , based on your 
creditworthiness.  
 
Student Visa Secured  
2.99% to 11.99% Introductory APR , for qualifying members,  for a 
period of 12 billing cycles , based on your creditworthiness .  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be 11.99% to 1 8.00%, based on your creditworthiness . 
   
 
 000000 (MXC4XX CCM003)  Penalty APR and When it Applies  18.00%  
This APR may be applied to your account if you:  
 - Make a late paym ent 
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 cl ose 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.   
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 web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Annual Fee   
- Annual Fee  None  
Transaction  Fees   
- Balance Transfer Fee  3.00%  of the amount of each balance transfer (Maximum Fee: $300.00 ) 
- Cash Advance Fee  3.00%  of the amount of each cash advance (Maximum Fee: $300.00 ) 
- Foreign Transaction Fee  2.00%  of each transaction in U.S. dollars  
Penalty  Fees   
- Late Payment Fee  Up to $15.00   
- Returned Payment Fee  Up to $25.00  
 
How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases).�  
Visa Platinum Secured, Visa Platinum Rewards Secured, Business Visa, and Student Visa Secured � Promotional 
Period for Introductory APR:  The Introductory APR for purchases, balance transfers, and cash advances will apply to 
transactions posted to your account during the first 12 months following the opening of your account .  
Visa Platinum Secured, Visa Platinum Rewards Secured, Business Visa, and Student Visa Secured � 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.  
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 March 1, 2016 .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment Fee  $15.00 or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment.  
Returned Payment Fee  $25.00 or the amount of the required minimum payment, whichever is 
less. 
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.