P.O. Box 18044 
Albuquerque, NM 87185-0044 
Phone (505)292-6343 
Fax (505) 256-6183 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 

APPLICATION AND SOLICITATION DISCLOSURE 

Your APR will be 5.24% to 16.74%, based on your
creditworthiness. This APR will vary with the market based on the Prime Rate.  

Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 

Your APR will be 8.74% to 17.99%, based on your
creditworthiness. 

Secured MasterCard 
Your APR will be 11.50% to 17.50% when you open 
your account, based on your creditworthiness. 

Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 5.24% to 16.74%, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate.  

Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 
Your APR will be 8.74% to 17.99%, based on your creditworthiness.

Secured MasterCard

Your APR will be 11.50% to 17.50% when you open your account, based on your 
creditworthiness. 

APR for Balance Transfers 

APR for Cash Advances 

Variable: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 

Your APR will be 5.24% to 16.74%, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate.  

Traditional: MasterCard, Rewards MasterCard, World Rewards MasterCard, 
Permaculture MasterCard 

Your APR will be 8.74% to 17.99%, based on your creditworthiness.

Secured MasterCard

Your APR will be 11.50% to 17.50% when you open your account, based on your 
creditworthiness. 

©CUNA Mutual Group All Rights Reserved  

     DNMFI4 (MXC403 CCM003)-e 
SEE NEXT PAGE for more important information about your account 

 
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 Consumer 
Financial Protection Bureau 

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 Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Set-up and Maintenance Fees 
- Annual Fee
- Account Set-up 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 
None 
1.00% of each transaction in U.S. dollars (Waived for World Rewards 
MasterCard holders) 

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).= 

Effective Date. 
The information about the costs of the card described in this application is accurate as of March 18, 2022. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee  

$25.00 or the amount of the required minimum payment, whichever is less, if 
you are one (1) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is less. 
Returned Payment Fee 
$3.00 
Statement Copy Fee 
$5.00 
Card Replacement Fee 
Stop Payment Fee  
$29.00 
Expedited Mailing Service Fee   $35.00 

LOANLINER DNMFI4 (MXC403 CCM003)-e