VISA PLATINUM REWARDS 
MEMBER ONE FCU CREDIT CARD ACCOUNT OPENING DISCLOSURE 

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Interest Rates and Interest Charge

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

Paying Interest

For Credit Card Tips from the Consumer 
Financial Protection Bureau

Fees

Transaction Fees 
- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee

5.90% Introductory APR for a period of 12 billing cycles. 
After that your APR for Purchases will be 10.99% 

5.90% Introductory APR for a period of 12 billing cycles. After 
that your APR for Balance Transfers will be 10.99%

5.90% Introductory APR for a period of 12 billing cycles. After 
that your APR for Cash Advance will be 10.99%

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.  We will 
begin charging interest on cash advances and balance 
transfer on the transaction date. 

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.

Foreign Transaction Fee 1% of each transaction in U.S. 
dollars.

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).” See your account Agreement for more details.  

Explanation of Introductory APR. To qualify for the Introductory APR, purchases, balance transfers and cash 
advances from other creditors must post to your account. Balances transferred from another Member One 
Federal Credit Union credit card or loan are not eligible for the Introductory APR.  

Loss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and 
apply the prevailing non-introductory APR if you are 62 days late in making a payment.  

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided 
in your account Agreement.  

OTHER DISCLOSURES  
Statement Copy Fee   
Document Copy Fee   
Rush Fee 
Emergency Card Replacement Fee   
Card Replacement Fee 
©CUNA Mutual Group 2009,10, 12 All Rights Reserved 

$5.00 
$20.00 
$20.00 
$250.00 
$10.00 

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Pay-By-Phone Fee 
Stop Payment on Convenience Check Fee  $25.00 

$5.00 

Periodic Rates 
The Introductory Purchase APR is 5.90% which is a monthly periodic rate of 0.4917% 
The Purchases APR is 10.99%, which is a monthly periodic rate of 0.9158% 
The Introductory Balance Transfers APR is 5.90% which is a monthly periodic rate of 0.4917% 
The Balance Transfer APR is 10.99%, which is a monthly periodic rate of 0.9158% 
The Introductory Cash Advance is APR is 5.90% which is a monthly periodic rate of 0.4917% 
The Cash Advance APR is 10.99%, which is a monthly periodic rate of 0.9158% 

Important Information Regarding CU Rewards.  Member One Federal Credit Union is pleased to offer this 
valuable program to our cardholder’s members. Our program is administrated by companies that handle the 
merchandise and travel redemption on behalf of the Credit Union. 
CU Rewards program rules are published online at www.CURewards.com under the section “Program Rules 
and Conditions”. Please contact Cardholder Services at 1(800) 637-7728 for more information regarding rules 
if you do not have access to the internet. 
You may redeem points for merchandise either online or via mail. To redeem online, simply go to 
www.CURewards.com and follow the instructions.  To redeem points for a merchandise reward visa mail, 
simply complete the CURewards Order Form that can be printed from the website. The order form should then 
be mailed to: CURewards Aware Headquarters, 2440 West 34th Street, Chicago, IL 60608-5134. 

Travel awards including Airline tickets, Hotel certificates, Car certificates, Vacation packages, Experiences, and 
Cruises can be redeemed through the CURewards Travel Agency. Visit the www.CURewards.com website of 
call Cardholder Services for how to proceed with redeeming over the phone. If you do not have internet 
access, please contact Cardholder Services at 1 (800) 637-7728 to receive information on redemption and 
travel and merchandise options. Unredeemed points over four years old will automatically expire.

©CUNA Mutual Group 2009,10, 12 All Rights Reserved