 



VISA PLATINUM
VISA PLATINUM REWARDS
VISA SIGNATURE



11.20% 22.20%



  



13.20% 24.20%



  



13.49% 24.49%



  


6.20%


17.20%



 

15











11.20% 22.20%


 


8.20%


19.20%



 

15





 

13.20% 24.20%



8.49%


19.49%



 

15





 

13.49% 24.49%


 





MISC_VISA_Solic_Discl_Promo_RevNov2019

APR for Cash Advances

Penalty APR and When it Applies

Visa Platinum
17.20%
6.20%
based on your creditworthiness.

to

 Introductory APR for a period of

15

billing cycles,

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

11.20% 22.20%
11.70% 22.70%
to

Visa Platinum Rewards
19.20%
8.20%
13.99%
2.99%
based on your creditworthiness.

to

 Introductory APR for a period of

12
15

billing cycles,

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

13.20% 24.20%
to

Visa Signature
19.49%
8.49%
13.99%
2.99%
based on your creditworthiness.

to

 Introductory APR for a period of

12
15

billing cycles,

13.49%

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum
None

, based on your

24.49%

to

Visa Platinum Rewards
None

Visa Signature
None

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

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
- Balance Transfer Fee - Visa Platinum
- Balance Transfer Fee - Visa Platinum
Rewards, Visa Signature
- Cash Advance Fee - Visa Platinum
- Cash Advance Fee - Visa Platinum
Rewards, Visa Signature
- Foreign Transaction Fee

None

None
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater

None
$5.00 or 5.00% of the amount of each cash advance, whichever is greater

1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01214565-MXC10-C-2-043019 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Promotional Period for Introductory APR:
The Introductory APR for balance transfers and cash advances will apply to transactions posted to your account from
09/01/2017
. Any existing balances on Consumers Cooperative Credit Union loan or
credit card accounts are not eligible for the Introductory APR for balance transfers.

12/31/2017
02/29/2020

11/01/2019

until

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

April 30, 2019
12/01/2019

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Signature are secured credit cards.
Credit extended under this 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 loans 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 six or more days late in making a
payment.

Balance Transfer Fee (Finance Charge) - Visa Platinum Rewards, Visa Signature:
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge) - Visa Platinum Rewards, Visa Signature:
$5.00 or 5.00% 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.

Card Replacement Fee - Visa Platinum Rewards, Visa Signature:
$10.00.

Emergency Card Replacement Fee - Visa Platinum:
$10.00.

Statement Copy Fee:
$10.00.

Copy of Visa Draft:
$10.00.

Returned Visa Statement:
$2.00.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

MISC_VISA_Solict_Discl_Promo_RevFeb2018

01214565-MXC10-C-2-043019 (MXC101-E)