VISA GOLD/VISA CLASSIC
F1  
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Gold 
11.15%
F2
This APR will vary with the market based on the Prime Rate.

Visa Classic 
14.90%
F3
Visa Gold 
11.15%
F4            
This APR will vary with the market based on the Prime Rate.

Visa Classic 
14.90%
F5            
Visa Gold 
11.15%
F6            
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Visa Classic 
14.90%
F7            
None
F8            

Minimum Interest Charge 
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.
None
F9            
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 
Annual Fee 
- Annual Fee
Transaction Fees 
- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

None
F10          

1.00%
F11        of each foreign transaction in foreign currency
0.80%
F12        of each foreign transaction in U.S. dollars

Up to F13          
Up to F14          

$10.00
$10.00

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 F15                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

July 1, 2017

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

$10.00
F16        or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment.
$10.00
F17        or the amount of the required minimum payment, whichever is 
less.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

July 1, 2017

10401000-MXC40-C-1-011617 (MXC403 CCM003)-e