Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F1 
APPLICATION AND SOLICITATION DISCLOSURE 

Platinum Rewards Visa 
F2           to F3   
 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Platinum Visa 
F4           to F5   
 when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
Platinum Rewards Visa 
F6  

 Introductory APR for a period of 12 billing cycles. 

After that your APR will be F7           to F8          , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Platinum Visa 
F9  

 Introductory APR for a period of 12 billing cycles. 

After that your APR will be F10         to F11         , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Platinum Rewards Visa 
 when you open your account, based on your 
F12         to F13    
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Platinum Visa 
F14         to F15    
 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 F16  
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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00900087-MXC40-P-1-042915 (MXC403 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F17           

F18           
F19         or F20         of the amount of each cash advance, whichever 
is greater 
F21         of each multiple currency transaction in U.S. dollars 
F22         of each single currency transaction in U.S. dollars 

Up to F23            
Up to F24           

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 balance transfers will apply to transactions posted 
to your account during the first 90 days following issuance of your card.  

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F25                               
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 

F26         or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F27         or the amount of the required minimum payment, whichever is 
less. 
F28           
F29           
F30           
F31           

00900087-MXC40-P-1-042915 (MXC403 CCM003)-e