Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
TransfersTRUTH-IN-LENDING DISCLOSURE STATEMENT -
ACCOUNT OPENING DISCLOSURES
The following disclosure represents important details concerning your credit card. This statement is incorporated into and
becomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to
increase any rate on your new balances, in accordance with applicable law.
INTEREST RATES and INTEREST CHARGES:
Replacement Card Fee:
Additional Card Fee:Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you
interest on purchases if you pay your entire new purchase balance by the due date each month.
We will begin charging interest on cash advances and balance transfers on the transaction date.
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/learnmoreFor Credit Card Tips from
the Consumer Financial
Protection Bureau
FEES:
Fees to Open or Maintain
your Account
Annual Fee:
Application Fee:-
-None
None$10.00
$10.009010 LASER FI13901 Rev 2-2012 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.DATE BORROWER 2 NAMEACCOUNT NUMBER BORROWER 1 NAME
This APR will vary with the
market based on the Prime
Rate*.Non-Variable: Variable:
Transaction Fees
Balance Transfer:
Cash Advance:
Foreign Transaction:-
-
-
Penalty Fees
Late Payment:
Over-the-Credit Limit:
Returned Payment:-
-
-Up to $20.00 if your payment is 6 or more days late from the payment due date
None
Up to $25.00 if your payment is returned for any reasonNone
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your
account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account
agreement.OTHER IMPORTANT DISCLOSURES :
SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH
US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE
SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not
subject to this security interest.
If you have other loans with us, collateral securing such loans may also secure your obligations under this agreement.
Recaptured Card Fee:
Lost Card Fee:
Stolen Card Fee:$50.00
$50.00
$50.00Daily Periodic Rates: Purchases, Cash Advances, and Balance Transfers: __________ %
OtherFees: In addition to the feesdisclosed above, the following fees may be imposed: American 1 Credit Union
718 E. Michigan Avenue
Jackson, Michigan 49201
(888) 213-2848--/--/----
*Variable Rates: If this is a variable rate as indicated above, the Annual Percentage Rate may increase or decrease if the highest rate of interest identified as 
the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal in effect on the last day of each calendar month of each year increases or 
decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: ________ %. The interest rate can change monthly on the first day of 
the billing cycle of the month immediately following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18%. Any increase 
will take the form of more payments of the same amount.
 %