Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2             F3             F4             F5             
or F6             when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F7             F8             F9             F10           or F11           when you 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
F12           F13           F14           F15           or F16           when you 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
F17           
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 (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
If you are charged interest, the charge will be no less than F18            
The minimum interest charge will be charged on any dollar amount. 
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. 

F19           
F20           of each transaction in U.S. dollars 

Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
Up to F21            
-  Late Payment Fee 
-  Returned Payment Fee 
Up to F22           
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  
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 F23            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

F24           or the amount of the required minimum payment, whichever 
is less, if you are 16 or more days late in making a payment. 
F25           or the amount of the required minimum payment, whichever 
is less. 
F26           
F27           
F28           
F29           
F30           
F31           

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