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 

How to Avoid Paying Interest on 
Purchases  

APPLICATION AND 
SOLICITATION 
DISCLOSURE   

Visa Platinum 
8.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Secured 
13.90% 

Visa Platinum 
6.50% or 8.50% Promotional APR until balance subject to Introductory APR is 
paid off, based on your creditworthiness or 0% Promotional APR for 12 months.  
After that, your APR will be 8.90% to 16.90%, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
Visa Secured 
13.90% 

Visa Platinum 
8.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
Visa Rewards 
9.90% to 16.90%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
Visa Secured 
13.90% 

18.00% 
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 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.   

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

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 

None 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900362-MXC10-C-1-010121 (MXC101-E) 

  
 
 
           
 
  
  
   
 
 
 
 
   
  
 
 
   
  
 
 
   
  
 
 
   
 
  
 
  
   
        
  
  
   
         
 
 
 
    
      
 
     
    
 
 
  
         
 
 
    
Transaction Fees 
- Balance Transfer Fee  

- Cash Advance Fee  

- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Over-the-Credit Limit Fee  
- Returned Payment Fee  

$10.00 or up to 3.00% of the amount of each balance transfer, whichever is 
greater (Maximum Fee: $75.00) 
$10.00 or 2.00% of the amount of each cash advance, whichever is greater 
(Maximum Fee: $75.00) 
1.00% of each transaction in U.S. dollars 

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 APR – Visa Platinum: The Promotional APR for balance transfers will apply to transactions posted to your 
account during the first 60 days following the opening of your account. If the 0% offer is selected, it will apply to balances 
transferred through 11/15/2021.  Balance Transfers processed after this date will receive the 6.50% or 8.50% offer. Any 
existing balances on Jax Federal Credit Union  loan or credit card accounts are  not eligible for the  Promotional APR for 
balance transfers. 
Loss of Promotional APR: We may end your Promotional APR for balance transfers and apply the Penalty APR if you 
are 60 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. 
Effective Date: The information about the costs of the card described in this application is accurate as of: October 1, 2021. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 
For  California  Borrowers,  the  Visa  Platinum,  Visa  Rewards  and  Visa  Secured  are  secured  credit  cards.  Credit 
extended under this  credit card account is secured by various personal property and money including, but not 
limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for 
this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the 
Credit  Union  excluding  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose 
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit 
Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods 
when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific 
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card 
account when you are not a covered borrower; or (ii) you cease to be a covered borrower. 
Other Fees & Disclosures: 
Late Payment Fee: Your late payment fee will be based on the outstanding balance owed as listed below, if you are three 
or more days late in making a payment: 
Outstanding Balance Owed 
Up to: 
$500.00 or less   
$10.00 or the amount of the required minimum payment, whichever is less; 
$500.01 - $2,000.00 
$20.00 or the amount of the required minimum payment, whichever is less; 
$2,000.01 or greater 
$25.00 or the amount of the required minimum payment, whichever is less; 
Balance  Transfer  Fee  (Finance  Charge):  Non-Promotional  transfers:  $10.00  or  2.00%  of  the  amount  of  each  balance 
transfer, whichever is greater, however, the fee will never exceed $75.00. 
Promotional  transfers  for  12-month  APR  of  0%:  $10.00  or  3.00%  of  the  amount  of  each  balance  transfer,  whichever  is 
greater, however, the fee will never exceed $75.00.  The fee is waived for 6.50% or 8.50% APR promotional transfers. 
Cash  Advance  Fee  (Finance  Charge):  $10.00  or  2.00%  of  the  amount  of  each  cash  advance,  whichever  is  greater, 
however, the fee will never exceed $75.00. 
Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.  
Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less.  
Card Replacement Fee: $20.00.  
Document Copy Fee: $1.00 per page.  
Emergency Card Replacement Fee: $250.00.  
Pay-by-Phone Fee: $9.95.  
Rush Fee: $20.00 overnight. 
Statement Copy Fee: $1.00 per page.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900362-MXC10-C-1-010121 (MXC101-E)