MASTERCARD CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charge

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

Paying Interest

For Credit Card Tips from the Consumer 
Financial Protection Bureau

Fees

Transaction Fees 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee

Annual APR for Purchases is 15.00%

Annual APR for Balance Transfers is 15.00%

Annual APR for Cash Advances is 15.00%

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.  We will 
begin charging interest on cash advances and balance 
transfer on the transaction date.

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.

Foreign Transaction Fee is 1.00% of each transaction in U.S. 
dollars.

Up to $25.00 
Up to $25.00

How We Will Calculate Your Balance.  We use a method called “average daily balance (including new 
purchases).  
“See your account Agreement for more details. 
Explanation of Introductory APR.  To qualify for the introductory APR, purchases, balance transfers, and 
cash advances from other creditors must post to your account. Balances transferred from another Member 
One Credit Union credit card or loans are not eligible for the Introductory APR. 
Loss of Introductory APR.  We may end your Introductory APR for purchases and balance transfers and 
apply the prevailing non-introductory APR if you are 62 days late in making a payment. 
Billing Rights:  Information on your rights to dispute transaction and how to exercise those rights is provided 
in your account Agreement.  

OTHER DISCLOSURES 
Statement Copy Fee   
Document Copy Fee   
Rush Fee 
Emergency Card Replacement Fee   
Card Replacement Fee 
Pay-By-Phone Fee 
Stop Payment on Convenience Check Fee  $25.00 

$5.00 
$20.00 
$20.00 
$250.00 
$10.00 
$5.00 

©CUNA Mutual Group 2009, 10 12 All Rights Reserved

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Periodic Rates 
The Purchases APR is 15.00%, which is a monthly periodic rate of 1.2500% 
The Balance Transfer APR is 15.00%, which is a monthly periodic rate of 1.2500% 
The Cash Advance APR is 15.00%, which is a monthly periodic rate of 1.2500%

©CUNA Mutual Group 2009, 10 12 All Rights Reserved