GOLD MASTERCARD/STANDARD MASTERCARD

F1  

APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 
Penalty APR and When it Applies 
Minimum Interest Charge 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

F2             
10.90%
F3             
10.90%
F4             
10.90%
F5             
None
F6             
None

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee (ATM) 
-  Cash Advance Fee (Over-the-Counter) 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 

We do not charge you interest on purchases if you pay your entire 
balance by the due date each month.  
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. 

None
F7             

F8             
None
$0.75
F9             per cash advance 
F10           
None
F11           of each transaction in U.S. dollars 
1.10%

Up to F12            
$20.00
F13           
None

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 F14            
This information may have changed after that date. To find out what may have changed visit one of our branches, call the 
Member Service Center at (301) 497-7000 or (800) 787-8328 or write to us at Tower Federal Credit Union, P.O. Box 123, 
Annapolis Junction, MD  20701-0123. 

March 12, 2014.

OTHER DISCLOSURES 

Late Payment Fee 

Statement Copy Fee 
Card Replacement Fee 
Sales Draft Copy Fee 

F15           or the amount of the required minimum payment, whichever 
$20.00
is less, if you are 14 or more days late in making a payment. 
F16           per page up to a maximum of F17        per statement month. 
$2.00
F18           
$5.00
F19           
$3.00

$5.00

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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