Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA PLATINUM REWARDS 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum - Preferred Rate 
9.90% or 11.90% when you open your account, based on 
your creditworthiness. 

Visa Platinum 
13.90% or 17.90% when you open your account, based on 
your creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
11.90% or 13.90% when you open your account, based on 
your creditworthiness. 

Visa Platinum Rewards 
15.90% or 19.90% when you open your account, based on 
your creditworthiness. 
Visa Platinum - Preferred Rate 
3.90% Introductory APR, for qualifying members, until March 1, 2014. 

After that your APR will be 9.90% or 11.90% based on your 
creditworthiness.  

Visa Platinum 
13.90% or 17.90% when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
3.90% Introductory APR, for qualifying members, until March 1, 2014. 

After that your APR will be 11.90% or 13.90% based on your 
creditworthiness.  

Visa Platinum Rewards 
15.90% or 19.90% when you open your account, based on your 
creditworthiness. 
Visa Platinum - Preferred Rate 
9.90% or 11.90% when you open your account, based on your 
creditworthiness. 

Visa Platinum 
13.90% or 17.90% when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards - Preferred Rate 
11.90% or 13.90% when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards 
15.90% or 19.90% when you open your account, based on your 
creditworthiness. 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum Interest Charge 
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.  
None 
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 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

None 

None 
$3.00 
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 
None 

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).”  

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted 
to your account from January 2, 2013, until February 16, 2013.  

Effective Date.  
The information about the costs of the card described in this application is accurate as of December 1, 2012.  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 
$4.00 
$4.00 
$18.00 
$5.00 

Balance  Transfer  Limitations.    If  you  request  balance  transfers,  such  transfers  must  be  in  amount  not  less  than 
$200.00, nor greater than $10,000.00.   The Introductory APR for Balance Transfers will be in effect for 12 months from 
the issuance of the balance transfer. When the discounted rate expires, the APR on existing balances will increase to the 
new non-discount rate on the first day of the billing cycle after the 12 month period. 

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