130 23rd Ave SW 
Rochester MN 55902 
507-535-1460  
800-535-2129 
www.mayocreditunion.org 

VISA CLASSIC 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

This Addendum 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  

APR for Cash Advances  

APR for Balance Transfers  

Paying Interest  

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  

Fees  
Transaction Fees  
> Foreign Transaction Fee  
Penalty Fees  
> Late Payment Fee  
> Returned Payment Fee  

12.25%  
This APR will vary with the market based on the Prime Rate.  
12.25%  
This APR will vary with the market based on the Prime Rate.  
12.25%  
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 Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  

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).” See your account 
Agreement for more details.  

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.  

OTHER DISCLOSURES  

Statement Copy Fee 
Rush Fee                           
Card Replacement Fee    

$5.00  
$30.00  
$10.00  

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.  

Periodic Rates.  

The Purchase APR is 12.25% which is a monthly periodic rate of 1.02083%.  
The Cash Advance APR is 12.25% which is a monthly periodic rate of 1.02083%.  
The Balance Transfer APR is 12.25% which is a monthly periodic rate of 1.02083%.  

Variable Rate.  

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index 
and will be determined by the Prime Rate. The index is determined when Prime Rate changes as published in The Wall Street Journal 
"Money  Rates"  table  to  which  we  add  a  margin.  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.  

Margin.  

Purchases will be charged at 8.00% above the Index.  
Cash advances will be charged at 8.00% above the Index.  
Balance transfers will be charged at 8.00% above the Index.  

© CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED                                                                                                                                                                             DMNS10 (MXC400 CCM000)-e