APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six

billing cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

CONNECT

for a period of six billing cycles, based on your creditworthiness.

 Introductory APR, for qualifying members,

After that, or if you do not qualify for an Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

to

to

 to

APR for Balance Transfers

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six billing

cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

to

the market based on the Prime Rate.

CONNECT

 to                              

 Introductory APR, for qualifying members, for a period 

of six billing cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

to

the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.
10200764-MXC10-C-1-120219 (MXC101-E)

VISA SIGNATURE CONNECT REWARDS/CONNECT0.00%13.74%21.74%2.99%4.99%8.25%17.95%0.00%13.74%21.74%2.99%8.25%17.95%4.99%               
APR for Cash Advances

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six billing

cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

to

the market based on the Prime Rate.

CONNECT
to

 Introductory APR, for qualifying members, for a period of

six billing cycles, based on your creditworthiness.

After that, or if you do not qualify for an Introductory APR, your APR will be

to

, based on your creditworthiness. This APR will vary with

the market based on the Prime Rate.

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.

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.

None

$25.00, based on your creditworthiness

None
$5.00
1.00% of each transaction in U.S. dollars 

Up to $27.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee - VISA SIGNATURE
CONNECT REWARDS
- Annual Fee - CONNECT

Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers and cash advances
will apply to transactions posted to your account during the first six months following the opening of your account. Any
existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.

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.

Other Fees & Disclosures:
Late Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days
late in making a payment.

Annual Fee - CONNECT: $25.00 based on your creditworthiness

Pay-by-Phone Fee: $15.00.

Rush Fee: $33.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-120219 (MXC101-E)

0.00%18.74%26.74%2.99%4.99%8.25%17.95%October 1, 2021.