Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2             to F3             when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
F4             Introductory APR for a period of 12 billing cycles. 

After that your APR will be F5             to F6             based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F7             to F8             when you open your account, based on your 
creditworthiness. 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. 

Minimum Interest Charge 

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.  
If you are charged interest, the charge will be no less than F9              
The minimum interest charge will be charged on any dollar amount. 
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 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F10           or F11           of the amount of each cash advance, 
whichever is greater (Maximum Fee: F12          ) 
F13           of each multiple currency transaction in U.S. dollars 
F14           of each single currency transaction in U.S. dollars 

Up to F15            
Up to F16           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted 
to your account from F17                        until F18            

Effective Date.  
The information about the costs of the card described in this application is accurate as of F19            
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 
Card Replacement Fee 

F20        or the amount of the required minimum payment, whichever 
is less, if you are one (1) or more days late in making a payment. 
F21        or the amount of the required minimum payment, whichever 
is less. 
F22           
F23           
F24           
F25           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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