Idaho Central
CREDIT UNION
Your money. Your trusted choice.
4400 Central Way Chubbuck, ID 83202-5096 (208) 478-3300
(800) 456-5067 Fax: (208) 239-3055 www.iccu.com
PREMIER REWARDFS1
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. Please keep this attached to your LOANLINER Consumer Credit Card Agreement.
	Interest Rates and Interest Charges		
Annual Percentage Rate (APR) for Purchases		0.00% Introductory APR for a period of six billing cycles. After that your APR will be 12.99% This APR will vary with the market based on the Prime Rate.	
APR for Balance Transfers		0.00% Introductory APR for a period of six billing cycles. After that your APR will be 15.99% This APR will vary with the market based on the Prime Rate.	
APR for Cash Advances		12.99% This APR will vary with the market based on the Prime Rate.	
Penalty APR and When it Applies		18.00% 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.	
Paying Interest		Your due date is at least 21 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 balance transfers and cash advances on the transaction date.	
For Credit Card Tips from the Consumer Financial Protection Bureau		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		
Set-up and Maintenance Fees -	Annual Fee -	Account Set-up Fee -	Program Fee -	Participation Fee -	Additional Card Fee -	Application Fee		None None None None None None	
Transaction Fees -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee -	Transaction Fee for Purchases		None None 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars None	
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee		Up to $15.00 Up to $25.00 Up to $20.00	
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved
11100245-MXC45-P-2-051616 (MXC453 CCM003)-e
SEE NEXT PAGE for more important information about your account.
Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account.
Loss of Introductory APR: We may end your Introductory APR for purchases and apply the prevailing non-introductory APR if you are 60 days late in making a payment. We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 31 days late in making a payment.
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	$15.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment.
Over-the-Credit Limit Fee	$25.00 or the amount of the transaction exceeding your credit limit, whichever is less.
Returned Payment Fee	$20.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee	$20.00 or the amount of the returned convenience check, whichever is
less.
Statement Copy Fee	$2.00
Document Copy Fee	$2.00
Rush Fee	F35.00
Card Replacement Fee	F10.00
Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees.
Variable Rate:
The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on 3rd Tuesday of each month, to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 17.99%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
Periodic Rates:
The Introductory Purchase APR is 0.00% which is a daily periodic rate of 0.0000%.
The Purchase APR is F1322.99% which is a daily periodic rate of F03.03356% .
The Introductory Balance Transfer APR is 0.00% which is a daily periodic rate of 0.0000%.
The Balance Transfer APR is F123.699% which is a daily periodic rate of F03.07356%.
The Cash Advance APR is F1328.99% which is a daily periodic rate of F03.09356%.
The Penalty Rate APR is 18.00% which is a daily periodic rate of 0.0493%.
Margin:
Purchases will be charged at F94.249% above the Index.
Balance Transfers will be charged at F94.349% above the Index.
Cash Advances will be charged at F94.49% above the Index.
11100245-MXC45-P-2-051616 (MXC453 CCM003)-e