VISA PLATINUM CASH BACK/

GREAT RATE VARIABLE VISA/

VISA PLATINUM GREAT RATE/

VISA PLATINUM/

GREAT RATE VARIABLE MASTERCARD/

GREAT RATE MASTERCARD/

TRAVEL MASTERCARD

13.90%

17.90%

5.90%

17.90%

6.90%

17.90%

5.90%

17.90%

6.90%

17.90%

13.90%

17.90%

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum Travel/Visa Platinum Cash Back 
F2           to F3           when you open your account, based 
on your creditworthiness.  

Great Rate Variable 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. 

Visa Platinum Great Rate 
F6           to F7           when you open your account, based 
on your creditworthiness. 

Great Rate Variable MasterCard 
F8           to F9           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Great Rate MasterCard 
F10         to F11         when you open your account, based 
on your creditworthiness. 

Travel MasterCard 
F12         to F13         when you open your account, based 
on your creditworthiness.  

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

D42LL1 (MXC402 CCM002)-e 

 
 
  
 
 
 
 
 
 
 
 
 
APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Visa Platinum Travel/Visa Platinum Cash Back 
F14         to F15         when you open your account, based on your 
13.90%
creditworthiness.  

17.90%

Great Rate Variable Visa 
F16         to F17         when you open your account, based on your 
5.90%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

17.90%

Visa Platinum Great Rate 
F18         to F19         when you open your account, based on your 
6.90%
creditworthiness. 

17.90%

Great Rate Variable MasterCard 
F20         to F21         when you open your account, based on your 
17.90%
5.90%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Great Rate MasterCard 
F22         to F23         when you open your account, based on your 
6.90%
creditworthiness. 

17.90%

Travel MasterCard 
F24         to F25         when you open your account, based on your 
17.90%
13.90%
creditworthiness. 
Visa Platinum Travel/Visa Platinum Cash Back 
F26         to F27         when you open your account, based on your 
13.90%
creditworthiness.  

17.90%

Great Rate Variable Visa 
F28         to F29         when you open your account, based on your 
5.90%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

17.90%

Visa Platinum Great Rate 
F30         to F31         when you open your account, based on your 
6.90%
creditworthiness. 

17.90%

Great Rate Variable MasterCard 
F32         to F33         when you open your account, based on your 
17.90%
5.90%
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Great Rate MasterCard 
F34         to F35         when you open your account, based on your 
6.90%
creditworthiness. 

17.90%

Travel MasterCard 
F36         to F37         when you open your account, based on your 
17.90%
13.90%
creditworthiness. 
F38           
17.90%

This APR may be applied to your account if you: 
  -  Make a late payment 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

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. 

D42LL1 (MXC402 CCM002)-e  

 
 
 
Fees 
Annual Fee 
-  Annual Fee – Visa Platinum Travel 
-  Annual Fee – Visa Platinum Cash Back 
-  Annual Fee – Great Rate Variable Visa 
-  Annual Fee – Visa Platinum Great Rate 
-  Annual Fee – Great Rate Variable 

MasterCard 

-  Annual Fee – Great Rate MasterCard 
-  Annual Fee – Travel MasterCard 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

$F39           
39.00
F40           
None
F41           
None
F42           
None
F43           
None

F44           
None
$F45           
39.00

5.00

$F46         or F47         of the amount of each cash advance, whichever 
is greater 
F48         of each transaction in U.S. dollars 
1.00%

1.00%

Up to $F49            
Up to $F50           

25.00
25.00

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 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F51            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

March 1, 2013.

OTHER DISCLOSURES 

Annual Fee – Travel MasterCard 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 

39.00

25.00

$F52         waived with Premium Checking Account, see Credit Union 
Representative for details. 
$F53         or the amount of the required minimum payment, whichever 
is less, if you are two (2) or more days late in making a payment. 
$F54         or the amount of the required minimum payment, whichever 
25.00
is less. 
$F55           
2.00
$F56           
2.00
$F57           
15.00

D42LL1 (MXC402 CCM002)-e  

 
 
 
 
 
 
 
 
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

VISA GREAT RATE
Variable Great Rate VISA
GREAT RATE MASTERCARD
CREDIT CARD ACCOUNT OPENING DISCLOSURE

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     

6.90  % 
5.90
6.90 % 
5.9
6.90 % 
5.9
17.90 % 
17.90

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 (6) 
consecutive minimum payments when due. 
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
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/learnmore. 

None 
None

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Cash Advance Fee 

1.00%

$5.00   or 1.00%  of the amount of each cash advance, whichever is 
$5.00
greater 
1.00%  of each transaction in U.S. dollars 
1.00%

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Up to $25.00  
$25.00
Up to $25.00 
$25.00

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 
Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 

$25.00 or the amount of the required minimum payment, whichever is 
$25.00
less, if you are two (2) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
$25.00
less. 
$2.00 
$2.00
$2.00 
$2.00
$15.00 
$15.00

Periodic Rates. 
The Purchase APR is 6.90%  % which is a monthly periodic rate of  0.575% . 
The Balance Transfer APR is 6.90% % which is a monthly periodic rate of  0.575% . 
The Cash Advance APR is 6.90%  % which is a monthly periodic rate of  0.575% . 
The Penalty Rate APR is 17.90% % which is a monthly periodic rate of  1.4917%. 

0.492
1.4917

17.90

0.492

0.492

5.90

5.9

5.9

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

D42LN0 (MXC452 CCM002)-e 

 
   
   
 
 
 
VISA PLATINUM/

VISA PLATINUM CASH BACK/ 

VISA PLATINUM GREAT RATE/ 

GREAT RATE MASTERCARD/

 TRAVEL MASTERCARD

13.90%

17.90%

6.90%

17.90%

6.90%

17.90%

13.90%

17.90%

13.90%

17.90%

6.90%

17.90%

6.90%

17.90%

13.90%

17.90%

13.90%

17.90%

6.90%

17.90%

6.90%

17.90%

13.90%

17.90%

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum Travel/Visa Platinum Cash Back 
F2             to F3             when you open your account, 
based on your creditworthiness.  

Visa Platinum Great Rate 
F4             to F5             when you open your account, 
based on your creditworthiness. 

Great Rate MasterCard 
F6             to F7             when you open your account, 
based on your creditworthiness. 

Travel MasterCard 
F8             to F9             when you open your account, 
based on your creditworthiness.  
Visa Platinum Travel/Visa Platinum Cash Back 
F10           to F11           when you open your account, based on your 
creditworthiness.  

Visa Platinum Great Rate 
F12           to F13           when you open your account, based on your 
creditworthiness. 

Great Rate MasterCard 
F14           to F15           when you open your account, based on your 
creditworthiness. 

Travel MasterCard 
F16           to F17           when you open your account, based on your 
creditworthiness. 
Visa Platinum Travel/Visa Platinum Cash Back 
F18           to F19           when you open your account, based on your 
creditworthiness.  

Visa Platinum Great Rate 
F20           to F21           when you open your account, based on your 
creditworthiness. 

Great Rate MasterCard 
F22           to F23           when you open your account, based on your 
creditworthiness. 

Travel MasterCard 
F24           to F25           when you open your account, based on your 
creditworthiness. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

D42LM0 (MXC402 CCM002)-e 

 
 
  
 
 
 
Penalty APR and When it Applies 

F26           
17.90%

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 (6) 
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 

Fees 
Annual Fee 
-  Annual Fee – Visa Platinum Travel 
-  Annual Fee – Visa Platinum Cash Back 
-  Annual Fee – Great Rate Visa 
-  Annual Fee – Great Rate MasterCard 
-  Annual Fee – Travel MasterCard 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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. 

$            
39.00
None
F29           
None
F30           
None
$           
39.00

5.00

$32           or               of the amount of each cash advance, whichever 
is greater 
              of each transaction in U.S. dollars 
1.00%

1.00%

Up to $            
Up to $       

25.00
25.00

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 60 days late in making 
a payment. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of  F37            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Annual Fee – Travel MasterCard 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 

25.00

39.00

$             waived with Premium Checking Account, see Credit Union 
Representative for details. 
$             or the amount of the required minimum payment, whichever 
is less, if you are two (2) or more days late in making a payment. 
$             or the amount of the required minimum payment, whichever 
25.00
is less. 
$           
2.00
$           
2.00
$           
15.00

D42LM0 (MXC402 CCM002)-e