APPLICATION AND
SOLICITATION
DISCLOSURE

VISA GOLD/VISA CLASSIC

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Gold
11.65%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Classic
14.90%

Visa Gold
11.65%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Classic
14.90%
Visa Gold
11.65%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Visa Classic
14.90%

Visa Gold
None

Visa Classic
None

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

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.
None
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.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

1.00% of each multiple currency transaction in U.S. dollars 
1.00% of each single currency transaction in U.S. dollars

Up to $10.00
Up to $10.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

November 1, 2019

10401000-MXC10-P-1-080817 (MXC101-E)

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."

Effective Date:
The information about the costs of the card described in this application is accurate as of: November 1, 2019
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Fees & Disclosures:
Late Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Returned Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

November 1, 2019

10401000-MXC10-P-1-080817 (MXC101-E)