877.ASK.CCCU     -
877 (275.2228)

VISA PLATINUM 
VISA PLATINUM REWARDS 
VISA SIGNATURE 

F1       

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
F2          to F3          when you open your account, based 
9.95%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

 20.95%

Visa Platinum Rewards 
F4          to F5          when you open your account, based 
11.95%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

 22.95%

 23.24%

Visa Signature 
F6          to F7          when you open your account, based 
12.24%
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Visa Platinum 
2.99%
 13.99%
F8          to F9          Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

After that your APR will be F10        to F11        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 20.95%

 9.95%

Visa Platinum Rewards 
2.99%
 13.99%
F12        to F13        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

 11.95%
After that your APR will be F14        to F15        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 22.95%

Visa Signature 
2.99%
 13.99%
F16        to F17        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

 12.24%
After that your APR will be F18        to F19        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 23.24%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

01214565-MXC40-P-1-120315 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

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APR for Cash Advances 

Visa Platinum 
2.99%
 13.99%
F20        to F21        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness. 

 9.95%

 20.95%

After that your APR will be F22        to F23        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum Rewards 
2.99%
 13.99%
F24        to F25        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

 11.95%
After that your APR will be F26        to F27        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

 22.95%

Visa Signature 
2.99%
 13.99%
F28        to F29        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

 12.24%
After that your APR will be F30        to F31        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F32           
None

 23.24%

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.  
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 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F33           
None

F34           
None
F35           
None
F36        of each multiple currency transaction in U.S. dollars 
1.00%
F37        of each single currency transaction in U.S. dollars 
0.80%

Up to F38            
$25.00
F39           
None
Up to F40           
$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 and cash advances 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 F41                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

December 1, 2015

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

F42        or the amount of the required minimum payment, whichever is 
$25.00
less, if you are six or more days late in making a payment. 
F43        or the amount of the required minimum payment, whichever is 
$25.00
less. 

01214565-MXC40-P-1-120315 (MXC453 CCM003)-e