Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

VISA ALEC SELECT/VISA ALEC SELECT REWARDS/VISA 
ALEC SIGNATURE REWARDS 

Visa ALEC Select
0.00%   Introductory APR, for qualifying members, for a period of 12 
billing cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be
9.45%  to  18.45% , based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

Visa ALEC Select Rewards
0.00%   Introductory APR, for qualifying members, for a period of 12 
billing cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be
11.45%  to  20.45% , based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Visa ALEC Signature Rewards
0.00%   Introductory APR, for qualifying members, for a period of 12 
billing cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be
13.45%  to  14.45% , based on your creditworthiness. This APR 
will vary with the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

01229945-MXC10-C-1-123119 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying Interest on
Purchases 

For Credit Card Tips from the
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

Visa ALEC Select
0.00%   Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
9.45% 
with the market based on the Prime Rate. 

to  18.45%, based on your creditworthiness. This APR will vary 

Visa ALEC Select Rewards
0.00%   Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
11.45% 
with the market based on the Prime Rate. 

to  20.45%, based on your creditworthiness. This APR will vary 

Visa ALEC Signature Rewards
0.00%   Introductory APR, for qualifying members, for a period of 12 billing 
cycles. 

After that, or if you do not qualify for the Introductory APR, your APR will be 
13.45%  to  14.45%, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
Visa ALEC Select 
9.45% 
to  18.45%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa ALEC Select Rewards 
11.45% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to  20.45%, when you open your account, based on your 

Visa ALEC Signature Rewards
13.45%  to  14.45%, 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 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. 

2.00% of the amount of each balance transfer 
3.00% of the amount of each cash advance, (Maximum Fee: $50.00) 
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

Up to $25.00 
Up to $24.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

01229945-MXC10-C-1-123119 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

Promotional Period for Introductory APR - Visa ALEC Select, Visa ALEC Select Rewards: 
The  Introductory  APR  for  purchases  and  balance  transfers,  for  qualifying  members,  will  apply  to  transactions  posted  to 
your  account  during  the  first  12  months  following  the  opening  of  your  account.  Any  existing  balances  on  Abbott 
Laboratories  Employees  Credit  Union  loan  or  credit  card  accounts  are  not  eligible  for  the  Introductory  APR  for  balance 
transfers. 

Promotional Period for Introductory APR - Visa ALEC Signature Rewards:
The  Introductory  APR  for  purchases  and  balance  transfers,  for  qualifying  members,  will  apply  to  transactions  posted  to 
your  account  during  the  first  12  billing  cycles  following  the  opening  of  your  account.  Any  existing  balances  on  Abbott 
Laboratories  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: June 30, 2022 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

 Visa ALEC Select  Rewards and Visa ALEC Signature Rewards 

 (a)   any goods you purchase with this  account, (b)  any shares you 

For California Borrowers, the Visa ALEC Select,
are secured credit cards. Credit extended under this credit card account is secured by various personal property 
and money including, but not limited to:
specifically pledge as collateral for this account on a separate Pledge of
individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any 
eral securing ot her 
other account that would lose special tax treatment under state or federal law, and (d) collat
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;
borrower. 

 Shares, (c) all shares you have in any 

 or (ii) you cease to be a covered 

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. 

Balance Transfer Fee (Finance Charge): 
2.00% of each balance transfer. 

Cash Advance Fee (Finance Charge): 
3.00% of the amount of each cash advance, however, the fee will never exceed $50.00. 

Returned Payment Fee: 
$24.00 or the amount of the required minimum payment, whichever is less. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

01229945-MXC10-C-1-123119 (MXC101-E)