APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Visa Platinum 
F2             

Visa Classic 
F3             
Visa Platinum 
F4             

Visa Classic 
F5             
Visa Platinum 
F6             

Visa Classic 
F7             
Visa Platinum 
F8             

Visa Classic 
F9             

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

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 will not charge you any 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 website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F10        of each multiple currency transaction in U.S. dollars 
F11        of each single currency transaction in U.S. dollars 

Up to F12            
Up to F13           
Up to F14           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 90 days late in making 
a payment. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00103091-MXC40-P-1-040616 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Effective Date:  
The information about the costs of the card described in this application is accurate as of F15                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Recovery Fee 
Pay-by-Phone Fee 

F16        or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F17        or the amount of the transaction exceeding your credit limit, 
whichever is less. 
F18        or the amount of the required minimum payment, whichever is 
less. 
F19           
F20           
F21           
F22           
F23           

00103091-MXC40-P-1-040616 (MXC403 CCM003)-e