APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

F2           to F3           when you open your account, based 
on your creditworthiness. 
F4           to F5           when you open your account, based on your 
creditworthiness. 
F6           to F7           when you open your account, based on your 
creditworthiness. 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

APR for Cash Advances 

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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F8             

F9           of the amount of each cash advance 
F10         of each transaction in U.S. dollars 

Up to F11            
Up to F12           

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 F13                            . 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 

F14         or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
F15         or the amount of the required minimum payment, whichever is 
less. 
F16           
F17           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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