Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

8.90

18.00

F2          to F3          when you open your account, based 
on your creditworthiness. 
18.00 
8.90
F4          to F5          when you open your account, based on your 
creditworthiness. 
F6          to F7          when you open your account, based on your 
18.00
8.90
creditworthiness. 
None
F8             

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
None
F9             
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. 

None
F10           

None
F11           
$ 5.00
F12        or F13        of the amount of each cash advance, whichever is 
greater 
None
F14           

2.00 %

Up to F15            
Up to F16           

$ 25.00
$ 32.00

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F17            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

April 1, 2010.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$ 25.00
F18        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
$ 25.00
F19        or the amount of the required minimum payment, whichever is 
less. In the event a payment is returned in the same or in any of the six 
(6) billing cycles following the initial violation, you will be charged F20           
or the amount of the required minimum payment, whichever is less. 
F21           
$ 5.00
F22           
$ 15.00
$ 10.00
F23           

$ 32.00

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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