Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

SEFCU MasterCard/SEFCU World MasterCard 
F2             to F3             Introductory APR for a period of 
six (6) billing cycles from the issuance of your card, based on your 
creditworthiness.  

After that your APR will be F4             to F5             , 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

SEFCU MasterCard Secured 
F6             
This APR will vary with the market based on the Prime Rate. 
SEFCU MasterCard/SEFCU World MasterCard 
F7             to F8             Introductory APR for a period of six (6) billing 
cycles from the issuance of your card, based on your creditworthiness.  

After that your APR will be F9             to F10           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

SEFCU MasterCard Secured 
F11           
This APR will vary with the market based on the Prime Rate. 
SEFCU MasterCard/SEFCU World MasterCard 
F12           to F13           Introductory APR for a period of six (6) billing 
cycles from the issuance of your card, based on your creditworthiness.  

After that your APR will be F14           to F15           , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Penalty APR and When It Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

SEFCU MasterCard Secured 
F16           
This APR will vary with the market based on the Prime Rate. 
F17           

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNYRG3 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

F18           
F19           or F20           of the amount of each cash advance, 
whichever is greater (not applicable when using convenience checks) 

-  Foreign Transaction Fee - 

MasterCard/Secured MasterCard 

-  Foreign Transaction Fee - World MasterCard 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F21           of each transaction in U.S. dollars 

F22           of each transaction in U.S. dollars 

Up to F23            
Up to 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 

Returned Payment Fee 

F26           or F27           of the amount of the required minimum 
payment, whichever is less, if you are 15 or more days late in making a 
payment.  
F28           or the amount of the required minimum payment, whichever 
is less. 

DNYRG3 (MXC403 CCM003)-e