This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

F1 
VISA REWARDS
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application 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 

F0.00%2      

 Introductory APR for a period of six billing cycles.

After that your APR will be 8.99%-11.99% F3    
market based on the Prime Rate. 
0.00%  Introductory APR for a period of six billing cycles.

 . This APR will vary with the

After that your APR will be 8.99%-11.99%5  
market based on the Prime Rate.
F6      
8.99%-11.99
This APR will vary with the market based on the Prime Rate. 
18.00%

 . This APR will vary with the

This APR may be applied to your account if you: 

-  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 
Your due date is at least 21 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 
balance transfers and cash advances 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. 

None8
None9
None10
None11
None12
None13

None4
None15
None 
None     of each single currency transaction in U.S. dollars
None

 of each multiple currency transaction in U.S. dollars

Up to $15.00 F19
Up to $25.00 F20
Up to $20.00 F21

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

11100245-MXC45-P-2-051616 (MXC453 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

Rev. 7/2016

Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and  balance  transfers  will  apply  to 
transactions posted to your account during the first six months following the opening of your account.  

Loss of Introductory APR: We may end your Introductory APR for purchases and apply the prevailing non-introductory 
APR if you are 60 days late in making a payment. We may end your Introductory APR for balance transfers and apply the 
prevailing non-introductory APR if you are 31 days late in making a payment.  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

 or the amount of the transaction exceeding your credit limit, 

 or the amount of the required minimum payment, whichever is 

$15.00     or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
$25.00    
whichever is less. 
$20.00    
less. 
F25  
$20.00    
less. 
F26    
$2.00    
F27    
$2.00    
F28    
$35.00    
F29    
$10.00    

 or the amount of the returned convenience check, whichever is 

Collection  Costs:  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees. 

Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change 
in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on 
3rd Tuesday  of each month, to which  we add a margin. The ANNUAL PERCENTAGE RATE will never be  greater than 
17.99%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take  the  form  of  additional  payments  shown  as  Total 
Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which 
is based upon comparable information. 

11100245-MXC45-P-2-051616 (MXC453 CCM003)-e