APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F2       to F3         when you open your account, based on 
your creditworthiness. 
F4       to F5         when you open your account, based on your 
creditworthiness. 
F6       to F7         when you open your account, based on your 
creditworthiness. 
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 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F10           
F11           
F12           
F13           

F14           
F15           
F16        of each transaction in U.S. dollars 

Up to F17            
Up to F18           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F19            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
PIN Replacement Fee  
Card Replacement Fee 
Temporary Increase Limit Fee 

F20        or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
F21        or the amount of the required minimum payment, whichever is 
less. 
F22        Per Copy 
F23        Per Copy 
F24        Per Request 
F25           
F26        Per Card 
F27           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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