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

APR for Balance Transfers 

APR for Cash Advances 

VISA SIGNATURE CASHBACK 
APPLICATION AND SOLICITATION DISCLOSURE 

24.99

         % to          % when you open your account, based on 
13.49
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
          % to           % when you open your account, based on your 
13.49
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
          % to           % when you open your account, based on your 
15.49
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

24.99

24.99

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. 

Fees 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

2.00

10.00

$           or         % of the amount of each cash advance,  
whichever is greater 
        % of each transaction in U.S. dollars 
1.00

Up to $    
Up to $   

26.00
26.00

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     
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

November 1, 2014

OTHER DISCLOSURES 

$           or the amount of the required minimum payment, whichever  

26.00

Late Payment Fee 
                                                                                  is less, if you are one or more days late in making a payment. 
Returned Payment Fee 
26.00
                                                                                 is less. 
Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Sales Draft Copy Fee 
Stop Payment Fee 
Research Fee 

$         per document 
$   
$   
$   
$   
$   
$           per hour 

5.00
30.00
5.00
18.00
5.00
25.00
25.00

$           or the amount of the required minimum payment, whichever  

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

02100076-MXC40-P-1-091414 (MXC403 CCM003)