APPLICATION AND 
SOLICITATION 
DISCLOSURE  

Titanium/Classic VISA Credit Card

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Titanium 
9.75%

Visa Classic 

12.75%

Visa Titanium 
9.75%

Visa Classic 
12.75%

Visa Titanium 
9.75%

Visa Classic 
12.75%

Penalty APR and When it Applies 

Visa Titanium 

None

Visa Classic 

None

How to Avoid Paying Interest on 
Purchases  

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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.   
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 
- 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  

None 

None 
None 
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)." 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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Effective Date: 
The information about the costs of the card described in this application is accurate as of:    
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 1, 2017

For California Borrowers, the Visa Titanium and Visa Classic 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: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are 25 or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

Card Replacement Fee: 
$5.00.  

Document Copy Fee: 
$6.00.  

Rush Fee: 
$15.00. 

Statement Copy Fee: 
$2.00.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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02108052-MXC10-P-1-081117 (MXC101-E)