APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Platinum Secured 

F2             
Visa Platinum 

F3             
This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 

F4             
Visa Classic 

F5             
This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 

F6             to F7             when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Visa Platinum Secured 

F8             

Visa Platinum 

F9             

This APR will vary with the market based on the Prime Rate. 

Visa Classic Secured 

F10           

Visa Classic 

F11           

This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 

F12           to F13           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum Secured 

F14           

Visa Platinum 

F15           

APR for Cash Advances 

APR for Balance Transfers 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DMABY2 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

This APR will vary with the market based on the Prime Rate. 

 
 
Penalty APR and When it Applies 

Visa Classic Secured 

F16           

Visa Classic 

F17           

This APR will vary with the market based on the Prime Rate. 

Onyx Smart Rewards 

F18           to F19           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F20           

This APR may be applied to the entire balance on your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for any of these reasons, the Penalty APR will apply until you make at 
least six (6) minimum payments by the payment due date as shown in 
your monthly statement. 

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 Federal 
Reserve Board 

Fees 
Annual Fee 
-  Annual Fee (Onyx Smart Rewards Only) 
Transaction Fees 
-  Foreign Transaction Fee 

-  Foreign Transaction Processing Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F21           annually 

F22           of each multiple currency transaction in U.S. dollars 
F23           of each single currency transaction in U.S. dollars 
F24           of each International transaction in U.S. dollars (Maximum 
Fee: F25           of the amount) 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Up to F26            
Up to F27           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

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  June  1,  F28                      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 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Copy of Entertainment and Entertainment Draft Fee 

F29           or the amount of the required minimum payment, 
whichever is less, if you are ten (10) or more days late in making 
a payment. 
F30           or the amount of the required minimum payment, 
whichever is less. 
F31           
F32           
F33           
F34           
F35           

DMABY2 (MXC400 CCM001)-e