CU LOGO 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA PLATINUM/VISA SIGNATURE REWARDS/VISA 
PLATINUM SECURED 
APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 8.15% to 13.15%, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature Rewards 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 11.15% to 13.15%, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Secured 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 10.15%. This APR will vary with the 
market based on the Prime Rate. 
Visa Platinum 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 8.15% to 13.15%, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature Rewards 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 11.15% to 13.15%, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Secured 
1.99% Introductory APR for a period of 12 billing cycles.  

After that your APR will be 10.15%. This APR will vary with the market 
based on the Prime Rate. 
Visa Platinum 
8.15% to 13.15% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Signature Rewards 
11.15% to 13.15% when you open your account, based on your 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

000000 (MXC4XX CCM003) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Secured 
10.15% 
This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

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 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

None 

$10.00 or 2.00% of the amount of each cash advance, whichever is 
greater 
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).”  

Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and  balance  transfers  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 October 1, 2015.  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Plastic Fee 
Representative-Assisted Pay-by-Phone Fee 

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 
$2.00 
$35.00 
$12.00 

000000 (MXC4XX CCM003)