Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

F1  
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
7.74%
to F3           when you open your account, based 
F2
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.

16.74%

APR for Balance Transfers 

APR for Cash Advances 

16.99%

Visa Signature 
10.24%
F4
to F5           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate.
Visa Platinum 
7.74%
F6           to F7           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

16.74%

16.99%

Visa Signature 
10.24%
F8           to F9           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
Visa Platinum 
16.74%
F10          
This APR will vary with the market based on the Prime Rate.

Visa Signature 
16.74%
F11          
This APR will vary with the market based on the Prime Rate.

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 
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

Up to F12         of each transaction in U.S. dollars

1.00%

Up to F13          
Up to F14          
Up to F15          

$25.00
$25.00
$25.00

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 F16                                
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 15, 2016.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DKYBH4 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
OTHER DISCLOSURES 

Late Payment Fee

Over-the-Credit Limit Fee

Returned Payment Fee

Statement Copy Fee
Rush Fee
Card Replacement Fee
Custom Card Fee

$25.00
F17         or the amount of the required minimum payment, whichever is 
less, if you are five or more days late in making a payment.
$25.00
F18         or the amount of the transaction exceeding your credit limit, 
whichever is less.
$25.00
F19         or the amount of the required minimum payment, whichever is 
less.
$2.00
F20          
$25.00
F21          
$5.00
F22          
$12.95
F23         per design

DKYBH4 (MXC403 CCM003)-e