Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA SIGNATURE/VISA PLATINUM
STUDENT/VISA CLASSIC/VISA SECURED

Visa Signature
13.49% 16.49%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum
11.49% 14.49%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Student
14.49%

. This APR will vary with the market based on the Prime Rate.

Visa Classic
13.49% 18.49%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Secured
11.49% 18.49%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature
13.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.49%

 to

Visa Platinum
11.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

14.49%

 to

Student
14.49%

. This APR will vary with the market based on the Prime Rate.

Visa Classic
13.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.49%

 to

Visa Secured
11.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.49%

 to

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

07/1/2022

01006595-MXC10-C-1-102021 (MXC102-E)

APR for Cash Advances

Visa Signature
13.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.49%

to

Visa Platinum
11.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

14.49%

to

Student
14.49%

. This APR will vary with the market based on the Prime Rate.

Visa Classic
13.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.49%

to

Visa Secured
11.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.49%

to

Penalty APR and When it Applies

Visa Signature
24.99%

Visa Platinum
19.49%

. This APR will vary with the market based on the Prime Rate.

Student
19.49%

. This APR will vary with the market based on the Prime Rate.

Visa Classic
19.49%

. This APR will vary with the market based on the Prime Rate.

Visa Secured
19.49%

. This APR will vary with the market based on the Prime Rate.

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make six consecutive
minimum payments when due.

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.
None
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.

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

None

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

07/1/2022

01006595-MXC10-C-1-102021 (MXC102-E)

Transaction Fees
- Balance Transfer Fee

- Cash Advance Fee
- Foreign Transaction Fee

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater
3.00% of the amount of each cash advance
2.00% of each transaction in U.S. dollars

Penalty Fees
- Late Payment Fee - Visa Signature,
Visa Platinum, Visa Classic, Visa Secured
- Late Payment Fee - Student
- Over-the-Credit Limit Fee
- Returned Payment Fee - Visa Signature,
Visa Platinum, Visa Classic, Visa Secured
- Returned Payment Fee - Student

Up to $37.00

Up to $25.00
None
Up to $37.00

Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment.

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.

July 01, 2022

.

For California Borrowers, the Visa Signature, Visa Platinum, Student, Visa Classic and Visa Secured are secured
credit cards. Credit extended under this credit card account is secured by various personal property and money
including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee - Visa Signature, Visa Platinum, Visa Classic, Visa Secured: $27.00 or the amount of the required
minimum payment, whichever is less, if you are 15 or more days late in making a payment. In the event you fail to make a
payment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of
the required minimum payment, whichever is less.
Late Payment Fee - Student: $25.00 or the amount of the required minimum payment, whichever is less, if you are 15 or
more days late in making a payment.
Balance Transfer Fee (Finance Charge): $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge): 3.00% of each cash advance.
Returned Payment Fee - Visa Signature, Visa Platinum, Visa Classic, Visa Secured: $27.00 or the amount of the required
minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles
following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is
less.
Returned Payment Fee - Student: $25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee: $35.00 or the amount of the returned convenience check, whichever is less.
Card Replacement Fee: None.
Document Copy Fee: None.
Emergency Card Replacement Fee: None.
Pay-by-Phone Fee: $8.00.
Statement Copy Fee: $2.00.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

07/1/2022

01006595-MXC10-C-1-102021 (MXC102-E)

Variable Rate: The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is
subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by
the Prime Rate on the first day of each calendar quarter (January, April, July and October), to which we add a margin. For
Visa Platinum, Student, Visa Classic, and Visa Secured, the ANNUAL PERCENTAGE RATE will never be greater than
19.99%. For Visa Signature, the ANNUAL PERCENTAGE RATE will never be greater than 24.99%. Any increase in the
ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest you will pay, may increase your
minimum payment, and may increase the number of payments to pay off your balance. If the Index is no longer available,
the Credit Union will choose a new index which is based upon comparable information.

Margins:
Visa Signature
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

8.74% 11.74%

(cid:87)(cid:82)(cid:3) (cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)above the Index.
8.74%
11.74%
8.74% 11.74%
(cid:87)(cid:82)(cid:3)

(cid:87)(cid:82)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) above the Index.(cid:3)

(cid:3)above the Index.

Visa Platinum
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at
Penalty Rates will be charged at

6.74% 9.74%
(cid:87)(cid:82)(cid:3)
6.74% 9.74%

(cid:3)(cid:3)(cid:3)(cid:3)above the Index
(cid:87)(cid:82)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)above the Index.(cid:3)

6.74%

9.74%
(cid:3)(cid:3)(cid:3)(cid:3)(cid:87)(cid:82)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:68)(cid:69)ove the Index.(cid:3)(cid:3)
above the Index.

14.74%

Student
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at
Penalty Rates will be charged at

9.74%

 above the Index.
9.74%

 above the Index.

9.74%

 above the Index.

14.74%

 above the Index.

Visa Classic
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at
Penalty Rates will be charged at

8.74%

13.74%
 to

 to
8.74%
 to

8.74%

above the Index.
13.74%

 above the Index.

 above the Index.

14.74%

13.74%
 above the Index.

Visa Secured
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at
Penalty Rates will be charged at

6.74%

13.74%
 to

 to
6.74%
 to

6.74%

 above the Index.
13.74%

above the Index.

 above the Index.

14.74%

13.74%
 above the Index.

' CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

07/1/2022

01006595-MXC10-C-1-102021 (MXC102-E)