APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM PREFERRED/VISA PLATINUM/VISA
PLATINUM SHARE SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum Preferred
2.99%

 Introductory APR for a period of(cid:3)12 billing cycles.

11.50% 12.00% 14.25%
After that, your APR will be
,
based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

or

,

Visa Platinum
12.25% 12.75% 15.00% 16.00% 17.50%
,
,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

Visa Platinum Share Secured
11.25%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum Preferred
2.99% Introductory APR (cid:3)(cid:3)

(cid:73)(cid:82)(cid:85)(cid:3)(cid:68)(cid:3)(cid:83)(cid:72)(cid:85)(cid:76)(cid:82)(cid:71)(cid:3)(cid:82)(cid:73)(cid:3)(cid:20)(cid:21)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:86)(cid:17)

.

,(cid:3)based on your
After that, your APR will be(cid:3)
,
creditworthiness. This APR will vary with the market based on the Prime(cid:3)
Rate.

11.50% 12.00% 14.25%

or

Visa Platinum
12.25% 12.75% 15.00% 16.00%
or(cid:3)
,(cid:3)
account,(cid:3)based on your creditworthiness. This APR will vary with the market(cid:3)
based on the Prime Rate.

,(cid:3)when you open your(cid:3)

17.50%

,(cid:3)

,(cid:3)

Visa Platinum Share Secured

11.25%
This APR will vary with the market based on the(cid:3)Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum Preferred
11.50% 12.00% 14.25%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

or

,

Visa Platinum
12.25% 12.75% 15.00% 16.00% 17.50%
or
,
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Platinum Share Secured
11.25%

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

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
Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Up to $32.00
Up to(cid:3)$2(cid:19).00

How We Will Calculate Your Balance:
We use a method called(cid:3)"average daily balance (excluding new purchases and balance transfers) (including new cash(cid:3)
advances)."

Promotional Period for Introductory APR -(cid:3)Visa Platinum Preferred:
The(cid:3) Introductory(cid:3) APR(cid:3) for(cid:3) balance(cid:3) transfers(cid:3) (cid:68)(cid:81)(cid:71)(cid:3) (cid:83)(cid:88)(cid:85)(cid:70)(cid:75)(cid:68)(cid:86)(cid:72)(cid:86)(cid:3) will(cid:3) apply(cid:3) to(cid:3) transactions(cid:3) posted(cid:3) to(cid:3) your(cid:3) account(cid:3) from(cid:3)
(cid:19)(cid:20)/01/202(cid:20)(cid:3) until(cid:3)02/28/2021(cid:3).(cid:3)Any(cid:3)existing(cid:3)balances(cid:3)on(cid:3)Tucson(cid:3)Federal(cid:3)Credit(cid:3)Union(cid:3)loan(cid:3)or(cid:3)credit(cid:3)card(cid:3)accounts(cid:3)are(cid:3)
not(cid:3)eligible(cid:3)for(cid:3)the(cid:3)Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:(cid:3)(cid:45)(cid:68)(cid:81)(cid:88)(cid:68)(cid:85)(cid:92)(cid:3)1,(cid:3)202(cid:20)
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For(cid:3) California(cid:3) Borrowers,(cid:3) the(cid:3) Visa(cid:3) Platinum(cid:3) Preferred,(cid:3) Visa(cid:3) Platinum(cid:3) and(cid:3) Visa(cid:3) Platinum(cid:3) Share(cid:3) Secured(cid:3)
are(cid:3)secured(cid:3)credit(cid:3)cards.(cid:3)Credit(cid:3)extended(cid:3)under(cid:3)this(cid:3)credit(cid:3)card(cid:3)account(cid:3)is(cid:3)secured(cid:3)by(cid:3)various(cid:3)personal(cid:3)property(cid:3)
and(cid:3)money(cid:3) including,(cid:3) but(cid:3) not(cid:3) limited(cid:3) to:(cid:3) (a)(cid:3) any(cid:3) goods(cid:3) you(cid:3) purchase(cid:3) with(cid:3) this(cid:3) account,(cid:3) (b)(cid:3) any(cid:3) shares(cid:3)
you(cid:3)specifically(cid:3)pledge(cid:3)as(cid:3)collateral(cid:3)for(cid:3)this(cid:3)account(cid:3)on(cid:3)a(cid:3)separate(cid:3)Pledge(cid:3)of(cid:3)Shares,(cid:3)(c)(cid:3)all(cid:3)shares(cid:3)you(cid:3)have(cid:3)in(cid:3)
any(cid:3)individual(cid:3)or(cid:3)joint(cid:3)account(cid:3)with(cid:3)the(cid:3)Credit(cid:3)Union(cid:3)excluding(cid:3)shares(cid:3)in(cid:3)an(cid:3)Individual(cid:3)Retirement(cid:3)Account(cid:3)or(cid:3)in(cid:3)
any(cid:3)other(cid:3) account(cid:3) that(cid:3) would(cid:3) lose(cid:3) special(cid:3) tax(cid:3) treatment(cid:3) under(cid:3) state(cid:3) or(cid:3) federal(cid:3) law,(cid:3) and(cid:3) (d)(cid:3) collateral(cid:3) securing(cid:3)
other(cid:3)loans(cid:3)you(cid:3)have(cid:3)with(cid:3)the(cid:3)Credit(cid:3)Union(cid:3)excluding(cid:3)dwellings.(cid:3)Notwithstanding(cid:3)the(cid:3)foregoing,(cid:3)you(cid:3)acknowledge(cid:3)
and(cid:3)agree(cid:3) that(cid:3)during(cid:3) any(cid:3)periods(cid:3) when(cid:3)you(cid:3)are(cid:3)a(cid:3)covered(cid:3) borrower(cid:3) under(cid:3) the(cid:3) Military(cid:3) Lending(cid:3) Act(cid:3)your(cid:3) credit(cid:3)
card(cid:3)will(cid:3) be(cid:3)secured(cid:3) by(cid:3)any(cid:3)specific(cid:3) Pledge(cid:3) of(cid:3)Shares(cid:3) you(cid:3)grant(cid:3) us(cid:3) but(cid:3) will(cid:3) not(cid:3) be(cid:3) secured(cid:3) by(cid:3) all(cid:3)shares(cid:3) you(cid:3)
have(cid:3) in(cid:3) any(cid:3) individual(cid:3) or(cid:3) joint(cid:3) account(cid:3) with(cid:3) the(cid:3) Credit(cid:3) Union.(cid:3) For(cid:3) clarity,(cid:3) you(cid:3) will(cid:3) not(cid:3) be(cid:3) deemed(cid:3) a(cid:3) covered(cid:3)
borrower(cid:3)if:(cid:3)(i)(cid:3)you(cid:3) establish(cid:3) your(cid:3) credit(cid:3) card(cid:3) account(cid:3) when(cid:3) you(cid:3) are(cid:3) not(cid:3) a(cid:3) covered(cid:3) borrower;(cid:3) or(cid:3) (ii)(cid:3) you(cid:3) cease(cid:3)
to(cid:3)be(cid:3)a(cid:3)covered(cid:3)borrower.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
20.00%(cid:3)of the interest due, if you are(cid:3)10 or more days late in making a payment. However, the fee will not exceed(cid:3)$32.00.

Returned Payment Fee:
$(cid:21)(cid:19).00(cid:3)or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$3(cid:22).00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$5.00.

Emergency Card Replacement Fee:
$40.00.

Pay-by-Phone Fee:
$20.00.

Rush Fee:
$40.00.

Statement Copy Fee:
$2.00.

Non-TFCU ATM Fee:
$2.00(cid:3)per transaction.

Copy of Visa Voucher Fee:
$5.00(cid:3)per copy.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-2-032517 (MXC101-E)