NuUNION CREDIT UNION 
501 S. Capitol Avenue 
Lansing, MI 48933 
517.267.7200 
888.267.7200 
Fax: 517.267.7024 
NuUnion.org 

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

LOANLINER
VISA PLATINUM ELITE AND 
VISA PLATINUM ELITE REWARDS
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Elite 
8.90%, 9.90%, 10.90%, 15.90%, or 18.90% 
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Visa Platinum Elite Rewards 

10.90%, 11.90%, 12.90%, 17.90%, or 
20.90% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

APR for Cash Advances 

Visa Platinum Elite 

11.90%, 12.90%, 13.90%, 18.90%, or 21.90% when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum Elite Rewards 

13.90%, 14.90%, 15.90%, 20.90%, or 23.90% when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

APR for Balance Transfers 

Visa Platinum Elite 

11.90%, 12.90%, 13.90%, 18.90%, or 21.90% when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum Elite Rewards 

13.90%, 14.90%, 15.90%, 20.90%, or 23.90% when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle.  
We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

$25.00 per card 

1.00% of each transaction in U.S. dollars 

$35.00  
$28.00 per returned payment 

$1.00 per statement 
$20.00 per card 
$28.00 per request  
$20.00 per hour, minimum of one (1) hour 
$5.00 per sales draft 

How to Avoid Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

FEES 
Set-up and Maintenance Fees 
>  Card Replacement Fee 
Transaction Fees 
>  Foreign Transaction Fee 
Penalty Fees 
>  Late Payment Fee 
>  Returned Payment Fee 
Other Fees 
>  Statement Copy Fee 
> Ru sh Fee 
>  Stop Payment Fee 
>   Research Fee 
>   Sales Draft Copy Fee 

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account agreement for more details. 

Effective Date. The information about the costs of the card described in this application is accurate as of 01/01/2010 . 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 
Collection Costs.   You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

Collection Costs for credit unions le nding to bo rrowers in Al abama. After default and upon referral to an attorney, 
who  is  not  an  employee  of  the  Credit  Union,  you  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this 
Agreement, including, if the unpaid balance under this plan is greater than $300.00 at the time of collection, reasonable 
attorney's fees. 

Collection  Costs  for cre dit unions lending to b orrowers in Ark ansas.  You  agree  to  pay  all  costs  of  collecting  the 
amount  you  owe  under  this  Agreement,  including  attorney's  fees  not  to  exceed  10.00%  of  the  amount  of  principal  plus 
interest and all court costs. 

Collection  Costs  for cre dit unions lending to b orrowers in Colorad o.  You  agree  to  pay  all  costs  of  collecting  the 
amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is 
not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default. 

Collection Costs for credit unions lending to borrowers in Connecticut, D.C., Georgia. You agree to pay all costs of 
collecting the amount you owe under this Agreement, including reasonable attorney's fees not in excess of 15.00% of any 
judgment and all court costs. 

Collection Costs for credit unions lending to borrowers in Idaho. 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. 

Collection Costs for credit unions lending to bor rowers in Illinois. You promise to pay, subject to applicable law, all 
costs  of  collecting  what  you  owe  under  this  Agreement  and  all  costs  of  realizing  on  any  security  for  the  Plan  including 
court  costs,  collection  agency  fees  and  reasonable  attorney  fees.  We  may  enter  into  a  contingent  or  hourly  fee 
arrangement with an attorney or collection agency and you agree that such an Agreement is reasonable. This provision 
also applies to bankruptcy, appeals or postjudgment proceedings. 

Collection  Costs  for c redit unions l ending to b orrowers in  Kansas.  You  agree  to  pay  all  costs  of  collecting  the 
amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is 
not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default. 

Collection Costs for credit unions lending to borrowers in Maine. For loans with an interest rate less than or equal to 
12¼%:  
Attorney's fees—If the Credit Union hires an attorney to collect the amount you owe under this Agreement, you agree to 
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt.  
For loans with an interest rate over 12¼%: no attorney's fees. 

Collection Costs  fo r cr edit unions  lending  to b orrowers  in  Kentucky, M ichigan, Nebr aska, No rth Da kota, Ohi o, 
and South Dakota, You promise to pay all costs of collecting the amount you owe under this Agreement to the extent 
permitted by state law.  

Collection Costs  for credit unions lo cated in Ne w Hampshire. You agree to pay all costs of collecting what you owe 
under this Agreement and reasonable attorney's fees. If you win in any action, suit or proceeding brought by the Credit 
Union  or  in  any  action  you  bring  against  the  Credit  Union,  you  will  be  awarded  reasonable  attorney's  fees.  If  you 
successfully assert a partial defense or set-off, recoupment or counterclaim, the court may withhold from the Credit Union 
the entire amount or such portion of the attorney's fees as the court considers equitable. 

Collection Costs for credit unions lending to bor rowers in Ne w Jersey. You agree to pay all costs of collecting the 
amount you owe under this Agreement, including reasonable attorney's fees not exceeding 20.00% of the principal and 
interest due and all court costs. 

Collection Costs for credit unions le nding to bo rrowers in O klahoma. You promise to pay all costs of collecting the 
amount you owe under this Agreement. These costs include reasonable attorney's fees not in excess of 15.00% of the 
unpaid debt after default and referral to an attorney, not a salaried employee of the Credit Union, unless you borrowed 
$1,000.00 or less at an interest rate greater than 10.00% per year.  

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Collection  Costs  for  credit  unions  lending  to  borrowers  in  Oregon.  You  agree  to  pay  all  costs  of  collecting  the 
amount you owe under this Agreement, including court costs, reasonable attorney's fees and the costs of any appeal by 
the Credit Union. 

Collection Costs for state-chartered credit unions lending to borrowers in South Carolina. You promise to pay all 
costs of collecting the amount you owe under this Agreement. These costs will include reasonable attorney's fees not in 
excess of 15.00% of the unpaid debt after default unless you borrowed $1,000.00 or less at an interest rate greater than 
18.00% per year. 

Collection Costs for federally chartered credit unions lending to borrowers in South Carolina. You promise to pay 
all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.  

Collection Costs for credit unions lending to borrowers in Wyoming. You promise to pay all costs of collecting the 
amount  you  owe  under  this  Agreement.  These  costs  will  include  reasonable  attorney's  fees  unless  you  borrowed 
$1,000.00 or less at an interest rate greater the 10.00% per year. 

Periodic Rates. 

Visa Platinum Elite 
The Purchase APR is 8.90%, 9.90%, 10.90%, 15.90%, or 18.90% which is a monthly periodic rate of 0.7417%, 0.8250%, 
0.9083%, 1.3250%, or 1.5750%. 
The Cash Advance APR is 11.90%, 12.90%, 13.90%, 18.90%, or 21.90% which is a monthly periodic rate of 0.9917%, 
1.0750%, 1.1583%, 1.5750%, or 1.8250%. 
The Balance Transfer APR is 11.90%, 12.90%, 13.90%, 18.90%, or 21.90% which is a monthly periodic rate of 0.9917%, 
1.0750%, 1.1583%, 1.5750%, or 1.8250%. 

Visa Platinum Elite Rewards 
The Purchase APR is 10.90%, 11.90%, 12.90%, 17.90%, or 20.90% which is a monthly periodic rate of 0.9083%, 
0.9917%, 1.0750%, 1.4917%, or 1.7417%. 
The Cash Advance APR is 13.90%, 14.90%, 15.90%, 20.90%, or 23.90% which is a monthly periodic rate of 1.1583%, 
1.2417%, 1.3250%, 1.7417%, or 1.9917%. 
The Balance Transfer APR is 13.90%, 14.90%, 15.90%, 20.90%, or 23.90% which is a monthly periodic rate of 1.1583%, 
1.2417%, 1.3250%, 1.7417%, or 1.9917%. 

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing period following the month in which 
the rate is calculated to reflect any change in the Index and will be determined by the Prime Rate on the 3rd Tuesday of 
March, June, September and December of each year as published in The Wall Street Journal "Money Rates" table. The 
ANNUAL PERCENTAGE RATE will never be less than 8.9% for Visa Platinum Elite and 10.90% for Visa Platinum Elite 
Rewards,  nor  greater  than  23.99%.  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. 

The member’s APR may be reviewed and changed, from time to time. Notice of any change will be given in accordance 
with applicable law. The APR is based on multiple criteria the credit union, at its discretion, believes is relevant.  

Margin. 

Visa Platinum Elite 
Purchases will be charged at 3.00-12.00% above the Index. 
Cash advances will be charged at 6.00-15.00% above the Index. 
Balance transfers will be charged at 6.00-15.00% above the Index. 

Visa Platinum Elite Rewards 
Purchases will be charged at 5.00-14.00% above the Index. 
Cash advances will be charged at 8.00-17.00% above the Index. 
Balance transfers will be charged at 8.00-17.00% above the Index. 

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