Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA
F1
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum 
F2
14.50% 15.00% 17.25%
 when 
you open your account, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

18.00%

, or F5

, F4

, F3

Visa Platinum Preferred 
F6

7.50%

 Introductory APR for a period of 12 billing cycles.

After that your APR will be F7
F9
14.50%
the market based on the Prime Rate. 

11.75% 12.25%
, F8
, based on your creditworthiness. This APR will vary with 

, or

Visa Platinum Share Secured 
F10
This APR will vary with the market based on the Prime Rate. 

5.30%

Visa Platinum Preferred Share Secured 
F11
This APR will vary with the market based on the Prime Rate.  

5.30%

Visa Platinum High Risk Share Secured 
18.00%
F12
Visa Platinum 
F13
14.50% 15.00% 17.25%
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

, F14       , F15       , or F16        when you open your account, 

18.00%

Visa Platinum Preferred 
7.50%
F17

 Introductory APR for a period of 12 billing cycles.  

After that your APR will be F18
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

, F19       , or F20       , based on 

11.75%

12.25%

14.50%

Visa Platinum Share Secured 
F21          
This APR will vary with the market based on the Prime Rate. 

5.30%

Visa Platinum Preferred Share Secured 
F22          
This APR will vary with the market based on the Prime Rate.  

5.30%

Visa Platinum High Risk Share Secured 
18.00%
F23          
Visa Platinum 
14.50%
F24
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

, F25       , F26       , or F27        when you open your account, 

15.00% 17.25%

18.00%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DAZXF1 (MXC403 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

Visa Platinum Preferred 
12.25%
11.75%
F28
, F29       , or F30        when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

14.50%

Visa Platinum Share Secured 
F31          
This APR will vary with the market based on the Prime Rate. 

5.30%

Visa Platinum Preferred Share Secured 
F32          
This APR will vary with the market based on the Prime Rate.  

5.30%

Visa Platinum High Risk Share Secured 
18.00%
F33          

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 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

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. 

1.00%
F34
0.80%
F35

 of each multiple currency transaction in U.S. dollars 
 of each single currency transaction in U.S. dollars 

Penalty Fees 
Up to F36          
-  Late Payment Fee 
-  Returned Payment Fee 
Up to F37          
How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

$27.00
$27.00

Visa  Platinum  Preferred  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and 
balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your 
account. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F38                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

July 1, 2016

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Non-TFCU ATM Fee 
Copy of Visa Voucher Fee 

 . 

$27.00

 of the interest due, if you are ten or more days late in making a 

F39
20.00%
payment. However, the fee will not exceed F40
F41
 or the amount of the required minimum payment, whichever is 
$27.00
less. In the event a payment is returned in the same or in any of the six 
$37.00
billing cycles following the initial violation, you will be charged F42        
or the amount of the required minimum payment, whichever is less. 
F43
 or the amount of the returned convenience check, whichever is 
$27.00
less. In the event a payment is returned in the same or in any of the six 
$37.00
billing cycles following the initial violation, you will be charged F44        
or the amount of the returned convenience check, whichever is less. 
F45          
$2.00
F46          
$5.00
F47          
$55.00
F48          
$55.00
F49          
$5.00
F50          
$20.00
F51          
$2.00
F52          
$5.00

DAZXF1 (MXC403 CCM003)-e