APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS/VISA 

PLATINUM SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum

0.00%

 Introductory APR for

twelve months

from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

17.950%

07.900%

, based on your

 to

Visa Platinum Rewards

0.00%

 Introductory APR for

twelve months

from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

09.900%

13.200%

, based on your

 to

APR for Balance Transfers

Visa Secured

09.900%
Visa Platinum
0.00%

Introductory APR for

twelve months

from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

17.950%

07.900%

 to

Visa Platinum Rewards
0.00%

Introductory APR for

twelve months

from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

13.200%

09.900%

 to

Visa Secured
09.900%

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03202928-MXC10-C-1-021622 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

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APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

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

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Visa Platinum
15.200%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

17.950%

to

Visa Platinum Rewards
15.200%

This APR will vary with the market based on the Prime Rate.

Visa Secured
9.90%
Visa Platinum
17.95%

Visa Platinum Rewards
17.95%

Visa Secured
17.95%

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.

Your due date is at least 28 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.

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
None
1.00% of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are one day
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.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

04/01/2022

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03202928-MXC10-C-1-021622 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

DocuSign Envelope ID: C7E452E6-9F4C-47B9-84F2-F8B148BAE210

For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Secured are secured credit cards.
Credit extended under this credit card account is secured by various personal property and money including, but
not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral
for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the
Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit
Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
.
$

10.00

Rush Fee:
$50.00.

Statement Copy Fee:
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03202928-MXC10-C-1-021622 (MXC102-E)