Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE   

RATE PREFERRED VISA LEVEL I 
RATE PREFERRED VISA LEVEL II 
RATE PREFERRED VISA LEVEL III 

Rate Preferred Visa Level I 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.90%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Visa Level II 
7.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 11.90%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Visa Level III 
10.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.75%. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers 

Rate Preferred Visa Level I 
7.90% 

Rate Preferred Visa Level II 
9.90% 

Rate Preferred Visa Level III 
10.75% 

APR for Cash Advances 

Rate Preferred Visa Level I 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.90%. This APR will vary with the market based 
on the Prime Rate. 

Rate Preferred Visa Level II 
7.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 11.90%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Visa Level III 
10.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.75%. This APR will vary with the market 
based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
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How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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.   
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 
Transaction Fees 
- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Over-the-Credit Limit Fee  
- Returned Payment Fee  

1.00% of each transaction in U.S. dollars 

Up to $25.00 
None 
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 cash advances and apply the prevailing non-introductory 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: December 4, 2017. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Rate  Preferred  Visa  Level  I,  Rate  Preferred  Visa  Level  II  and  Rate  Preferred  Visa 
Level III 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.  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: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

Rush Fee: 
$25.00 overnight. 

Statement Re-Print Fee: 
$2.00.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04200068-MXC10-C-1-112717 (MXC101-E)