APPLICATION AND  
                     SOLICITATION  
                       DISCLOSURE  
Interest Rates and Interest Charges   
Annual Percentage Rate (APR) for 
Purchases  Visa 
6.24%  to  17.99%, when you open your account, based on your  
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
Visa Signature  
7.24%  to  17.99%, when you open your account, based on your  
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
APR for Balance Transfers  Visa 
6.24%  to 17.99% , when you open your account, based on your  
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
Visa Signature  
7.24%  to  17.99%, when you open your account, based on your  
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
APR for Cash Advances  Visa 
6.24%  to 1 7.99%, when you open your account, based on your  
creditworthiness. This APR will vary with the market based on the Prime 
Rate.  
Visa Signature  
7.24%  to  1 7.99%,, when you open your account, based on your  
creditworthiness. 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. We 
will not charge you any interest on purchases if you pay your entire balance 
by the due date each month.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $.50. 
For Credit Card Tips from the  
Consumer Financial Protection 
Bureau  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 None  
Transaction Fees - 
Cash Advance Fee  $10.00  or 3.00%  of the amount of each cash advance, whichever is greater  
- Foreign Transaction Fee  1.00%  of each transaction in U.S. dollars  
 
 
 SEE NEXT PAGE for more important information about your account.  
�CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved ~ 03105847 -MXC10 -P-2-082517 (MXC101 -E) 
VISA/VISA SIGNATURE   Penalty Fees  
- Late Payment Fee  Up to $25.00  
- Returned Payment Fee  Up to $25.00  
How We Will Calculate Your Balance:  
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)."  
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 applica tion is accurate as of:  April 2 5, 2020. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
For California Borrowers, the Visa and Visa Signature are secured credit cards. Credit extended under th is 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 lo ans 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 three or more days late in making a 
payment.  
Cash Advance Fee (Finance Ch arge):  
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.  
Returned Payment Fee:  
$25.00 or the amount of the required minimum payment, whichever is less.  
 
�CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved ~ 03105847 -MXC10 -P-2-082517 (MXC101 -E)