APPLICATION AND 
SOLICITATION 
DISCLOSURE 

VISA ELITE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

9.90% , 10.90%, 15.90% or 17.90% , when you open 
your account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

12.90% , 13.90% or 18.00% , when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
12.90% , 13.90% or 18.00% , when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Penalty APR and When it Applies 

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. 

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. 
If you are charged interest, the charge will be no less than $0.50. 

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. 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: April 1, 2020.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-4-072817 (MXC101-E) 

 SEE NEXT PAGE for more important information about your account. 

This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa Elite is a secured credit card. 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: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$10.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-4-072817 (MXC101-E)