Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA CLASSIC 
STUDENT VISA PLATINUM 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 

11.00% 
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

14.15% 
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

14.15% 
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

11.00% 
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

14.15% 
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

14.15% 
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

11.00% 
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

14.15% 
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

14.15% 
This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

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. 
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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

January 1, 2018 

DCTDU3 (MXC402 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 
Transaction Fees 
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

3.00% of the amount of each cash advance 
2.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

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 January 1, 2018. 
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 

$25.00 

or the amount of the required minimum payment, 

whichever is less, if payment is not received by 5:00 PM Eastern 
time on the date it is due. 
$25.00 

or the amount of the required minimum payment, 

Statement Copy Fee 
Document Copy Fee 
Card Replacement Fee 
Pre-Authorized Recurring Payment Cancellation Fee 

whichever is less. 
$5.00 
$5.00 
$10.00 
$25.00 

January 1, 2018 

DCTDU3 (MXC402 CCM002)-e