APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Classic 
F2           to F3           when you open your account, based 
on your creditworthiness. 

APR for Balance Transfers 

APR for Cash Advances 

Visa Secured 
F4             

Visa Platinum 
F5           to F6           when you open your account, based 
on your creditworthiness. 
Visa Classic 
F7           to F8           when you open your account, based on your 
creditworthiness. 

Visa Secured 
F9             

Visa Platinum 
F10         to F11         when you open your account, based on your 
creditworthiness. 
Visa Classic 
F12         to F13         when you open your account, based on your 
creditworthiness. 

Visa Secured 
F14           

Visa Platinum 
F15         to F16         when you open your account, based on your 
creditworthiness. 
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 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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. 

F17           

F18           
F19           
F20         of each multiple currency transaction in U.S. dollars 
F21         of each single currency transaction in U.S. dollars 
F22           

SEE NEXT PAGE for more important information about your account. 

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Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 

Up to F23            
F24           

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 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 

Statement Copy Fee 
Card Replacement Fee 
Expedited Card Order Fee 

F26         or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment. 
F27           
F28           
F29         Actual Cost 

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