� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764 -MXC10 -C-1-051721 (MXC102 -E)
 
APPLICATION AND 
SOLICITATION DISCLOSURE
  
CONNECT/VISA SIGNATURE CONNECT REWARDS  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases    
CONNECT 
2.99% or 4.99% Introductory APR, for qualifying members, for a
period of twelve billing cycles, bas ed on your creditworthiness. 
After th
at, or if you do not qualify for an Introductory APR, your APR will be 
8.2
5% to 17.95%, based on your creditworthiness. This APR will
vary 
with the market based on the Prime Rate. 
VISA SIGNATURE CONNECT REWARDS  
0.00% Introductory APR, for qualifying members, for a period of six
billing cycles. 
This A PR will vary with th e market bas ed on th e Prime Rate. 
After that, or if you do not qualify for the Introductory APR, your APR will be 
13
.74% to 21.74%, based on your creditworthiness. This APR
will vary with the market based on the Prime Rate. 
APR for Balance Transfers  CONNECT  
2.99% or 4.99% Introductory APR, for qualifying members, for a period of 
twelve billing cycles, based on your creditworthiness. 
After that, or if you do not qualify for an Introductory APR, your APR will be 
8.2
5% to 17.95%, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 
V
ISA SIGNATURE CO NNECT RE WARDS 
0.00% Introductory A PR, f or qual ifying members, f or a period of s ix billing 
cycles. 
After that, 
or if you do not qualify for the Introductory APR, your APR will be 
13
.74% to 21.74%, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 
APR for Cash Advances  CONNECT  
8.25% to 17.95%, when you open your account, based on your 
creditworthiness. T his A PR w ill vary with the market bas ed on the Prime 
  Rate. 
VISA SIGNATURE CO NNECT RE WARDS 
0.00% Introductory A PR, f or qual ifying members, f or a period of s ix billing 
cy
cles. 
After that, or if you do not qualify for the Introductory APR, your APR will be 
18.74% to 26.74%, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate.  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764 -MXC10 -C-1-051721 (MXC102 -E)
 How to Avoid Paying Interest on 
Purchases  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.   
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 website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore.  
Fees  
Annual Fee  
-Annual Fee - CONNECT $25.00 , based on your creditworthiness  
-Annual Fee - VISA SIGNATURE
CONNECT REWARDSNone  
 Transaction Fees  
-Balance Transfer Fee
-Overdraft Trans fer Fee
-Foreign Transaction FeeNone  
$5.00  
1.00% of each transaction in U.S. dollars
Penalty Fees  
-Late Payment Fee Up to $27.00  
  
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."  Promotional Period for Introductory APR - CONNECT: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.  Promotional Period for Introductory APR - VISA SIGNATURE CONNECT REWARDS: The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance t ransfers.  Effective Date: The information about the costs of the card described in this application is accurate as of: June 01, 2021. 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: $27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days 
late in making a payment.  
Annual Fee - CONNECT: $25.00 based on your creditworthiness 
Pay-by-Phone Fee: $15.00.  
Rush Fee: $33.00.