Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

PLATINUM MASTERCARD /PLATINUM MASTERCARD 
SECURED/PLATINUM MASTERCARD REWARDS 

Platinum Mastercard 
9.40% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 17.90% , when you open your account, based on your 

Platinum Mastercard Secured 
9.40% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to 17.90% , when you open your account, based on your 

Platinum Mastercard Rewards 
11.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Platinum Mastercard 
11.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Platinum Mastercard Secured 
11.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Platinum Mastercard Rewards 
13.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Platinum Mastercard 
11.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Platinum Mastercard Secured 
11.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Platinum Mastercard Rewards 
13.40%  to 17.90% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

042102367-MXC10-P-1-020518 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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. 
If you are charged interest, the charge will be no less than $2.00. 
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 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

2.00% of each transaction in U.S. dollars completed outside the U.S. 
2.00% of each transaction in U.S. dollars completed in a foreign currency 

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)." 

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:  February 05, 2018 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Platinum  Mastercard  ,  Platinum  Mastercard  Secured  and  Platinum  Mastercard 
Rewards 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.  Notwithstanding  the  foregoing,  you 
acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act 
your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you  grant  us  but  will  not  be  secured  by  all 
shares  you  have  in  any  individual  or  joint  account  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: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a 
payment. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Emergency Card Replacement Fee: 
$200.00. 

Rush Fee: 
$35.00. 

Statement Copy Fee: 
$5.00. 

Research Fee: 
$25.00 per hour. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

042102367-MXC10-P-1-020518 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

042102367-MXC10-P-1-020518 (MXC101-E)