� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03720921 -MXC20 -C-3-092817 (MXC201 -E)
 
CREDIT CARD 
ACCOUNT  
OPENING 
DISCLOSURE  
CLASSIC CARD  
ALUMNI CLASSIC CARD
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement &  Disclosure.  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  9.90%
APR for Balance Transfers  2.90% Introductory APR until December 31, 2022. 
After that, Your APR will be 9.90%. 
APR for Cash Advances  9.90%  
Paying Interest  Your due date is at least 25 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. W e will begin charging interest on cash advances 
and balance transfers on the transaction date.  
Minimum Interest Charge  None 
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 FeeNone  
None  
None  
None  
None  
None 
Transaction Fees  
-Balance Transfer Fee None 
-Cash Advance Fee None 
-Foreign Transaction Fee None 
-Transaction Fee for Purchases None 
Penalty Fees  
-Late Payment Fee
-Over -the-Credit Limit Fee
-Returned Payment FeeUp to $20.00  
None  
None 
How We Will Calculate You r Bal ance: 
We use a meth od call ed "avera ge dail y balanc e (includi ng ne w purchases). " See You r Accou nt Agreeme nt for more 
details. 
Promotional Period for Introductory APR: 
The Introductory APR for balance transfers will apply to transactions posted to Your Account from 01/01/20 21 until 
12/31/2021. Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not 
eligible for the Introductory APR for balance transfers. 
Billing Rights: 
Informati on on Yo ur right s to disput e transactio ns an d ho w to exercis e thos e rig hts i s provid ed in You r Account 
Agreement. 
Militar y Len ding Act Dis closures: 
�PSECU Form #3902 1220
PENNSYLVANIA STATE
EMPLOYEES CREDIT UNION
P.O. Box 67012
Harrisburg, PA 17106
800.237.7328   �  PSE CU.COM � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03720921 -MXC20 -C-3-092817 (MXC201 -E)
 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
of consumer  credit. In  general,  the cost  of consumer credit  to a member  of the Armed  Forces  and his or her  dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account:  The  costs  associated  with  credit  insurance  premiums;  fees  for ancillary  products  sold  in connection  with  the 
credit  transaction;  any application  fee charged  (other  than  certain  application  fees  for specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
Please call us at (800) 237-7328 extension 3846 to receive oral disclosures of the Military Lending Act disclosure 
above and a description of the payment obligation.  
Other Fees & Disclosures: 
Late Payment Fee: 
$20.00 or the amoun t of th e requir ed minimu m paymen t, whichev er is less , if You are 1 or m ore day s late in maki ng a 
paymen t. If You r Accoun t is subjec t to a Lat e Paymen t Fee, the fee wil l be charge d to Yo ur Accou nt whe n You do not 
make t he requir ed m inimum pa yment b y or withi n the numbe r of da ys of th e statement Paymen t Due Da te set forth on this 
Disclosure. 
PIN Replacement Fee: 
None. 
Rush Fee: 
$40.00 . If You r Accou nt is subjec t to a Rus h Fee , excep t as limi ted b y applicabl e law, a f ee ma y be charge d to Your 
Accou nt for each rush C ard th at You reques t, providin g that de livery of th e Card i s also availabl e by standar d mai l service, 
withou t paying a fee for delivery. 
Unreturn ed C ard Fee: 
None. 
Collectio n Co sts: 
You agr ee to pay all costs of collecti ng th e amou nt Yo u ow e unde r this Agreemen t, includin g cour t cos ts an d reasonable 
attorney 's fees. 
Period ic Rates:  
The Purchas e AP R is 9.90 % whic h is a monthl y periodi c rate of 0.8250%. 
The In troductor y Balance Transfer AP R is 2.9 0% which i s a monthl y periodi c rate of 0.2417%. 
The Balance Transfer AP R is 9.9 0% whic h is a monthl y periodi c rate of 0.8250%. 
The Cas h Advanc e AP R is 9.90% which i s a m onthl y periodi c rate of 0.8250%.  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3903 REV 1220 03720921-MXC10-C-3-040219 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
CLASSIC CARD
ALUMNI CLASSIC CARD
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Balance Transfers  Introductory APR until December 31, 202 2. 
After that, your APR will be  .
APR for Cash Advances
How to Avoid Paying Interest on
PurchasesYour due date is at least 25  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.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 None
- Account Set-up Fee None
- Program Fee None
- Participation Fee None
- Additional Card Fee None
- Application Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee None
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $20.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee None
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account from until
. Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.
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.
SEE NEXT PAGE for more important information about your account.
9.90%
2.90%
9.90%
9.90%
01/01/2021
12/31/2021
July 23, 2019 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03720921-MXC10-C-3-040219 (MXC101-E)For California Borrowers, the CLASSIC CARD - ALUMNI CLASSIC CARD may be a secured credit card. Credit
extended under this credit card account may be 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods
when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee :
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.
PIN Replacement Fee :
None.
Rush Fee :
$40.00.
Unreturned Card Fee :
None.
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.