� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01601453-MXC10-C-1-120619 (MXC101-E) 
APPLICATION AND 
SOLICITATION 
DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases  Introductory APR for a period of six billing cycles. 
After that, your APR will be  or , based on your 
creditworthiness. This APR will vary with the market based on th e Prime 
Rate. 
APR for Balance Transfers  Introductory APR for a period of six billing cycles.
After that, your APR will be or , based on your 
creditworthiness. This APR will vary with the market based on th e Prime 
Rate. 
APR for Cash Advances  Introductory APR for a period of six billing cycles. 
After that, your APR will be  or , based on your 
creditworthiness. This APR will vary with the market based on th e Prime 
Rate. 
How to Avoid Paying Interest on 
Purchases Your due date is at least 25 days after the close of each bil ling cycle. We will 
not charge you any interest on purchases if you pay your entire ba lance by 
the due date each month. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50 .
For Credit Card Tips from the 
Consumer Financial Protection Bureau To learn more about factors to consider when applying fo r or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 
Fees 
Transaction Fees 
- Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars 
Penalty Fees 
- Late Payment Fee Up to $15.00 
- Returned Payment Fee Up to $10.00 
How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date: 
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
For California Borrowers, the Visa is a secured credit card. Cr edit extended under this credit card account is 
secured by various personal property and money including, bu t not limited to: (a) any goods you purchase with 
this account, (b) any shares you specifically pledge as collatera l for this account on a separate Pledge of Shares, 
(c) all shares you have in any individual or joint account with th e Credit Union excluding shares in an Individual 
SEE NEXT PAGE for more important information about your accoun t. VISA 
0.00% 
9.24% 16.99% 
0.00% 
9.24% 16.99% 
0.00% 
9.24% 16.99% 
April 1, 2020  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01601453-MXC10-C-1-120619 (MXC101-E) Retirement Account or in any other account that would lose speci al tax treatment under state or federal law, and 
(d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the 
foregoing, you acknowledge and agree that during any periods w hen you are a covered borrower under the 
Military Lending Act your credit card will be secured by any spe cific Pledge of Shares you grant us but will not be 
secured by all shares you have in any individual or joint acco unt with the Credit Union. For clarity, you will not be 
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; 
or (ii) you cease to be a covered borrower. 
Other Fees & Disclosures: 
Late Payment Fee :
5.00% of the amount of the required minimum payment or $15.00, whicheve r is greater, but in any case, never more than 
the amount of the delinquent required minimum payment if you  are more than 16 days delinquent in making a payment. 
Returned Payment Fee :
$10.00 or the amount of the required minimum payment, whichever is less. 
Pay-by-Phone Fee :
$5.00.
Rush Fee :
$25.00.
Statement Copy Fee :
$5.00.
Balance Transfer Limitations: If you request balance transfers, such transfers must be in the amount no less tha n 
$500.00. When the discounted rate expires, the APR on existing balance s will increase to the new non-discounted rate on 
the first day of the billing cycle after the defined period  disclosed within the table.