Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

Visa Platinum 
F2         , F3         , F4         , or F5          when 
you open your account, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

Visa Platinum Preferred 
F6          Introductory APR for a period of 12 billing cycles.  

After that your APR will be F7         , F8         , or  
F9         , based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 

Visa Platinum Share Secured 
F10           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F11           
This APR will vary with the market based on the Prime Rate.  

Visa Platinum High Risk Share Secured 
F12           
Visa Platinum 
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. 

Visa Platinum Preferred 
F17        Introductory APR for a period of 12 billing cycles.  

After that your APR will be F18       , F19       , or F20       , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Share Secured 
F21           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F22           
This APR will vary with the market based on the Prime Rate.  

Visa Platinum High Risk Share Secured 
F23          
Visa Platinum 
F24       , F25       , F26       , or F27        when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DAZXF1 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
Visa Platinum Preferred 
F28       , F29       , or F30        when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Platinum Share Secured 
F31           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum Preferred Share Secured 
F32           
This APR will vary with the market based on the Prime Rate.  

Visa Platinum High Risk Share Secured 
F33          

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

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. 

F34        of each multiple currency transaction in U.S. dollars 
F35        of each single currency transaction in U.S. dollars 

Penalty Fees 
Up to F36            
-  Late Payment Fee 
-  Returned Payment Fee 
Up to F37           
How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

Visa  Platinum  Preferred  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and 
balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your 
account. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F38                            .  
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 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Non-TFCU ATM Fee 
Copy of Visa Voucher Fee 

F39        of the interest due, if you are ten or more days late in making a 
payment. However, the fee will not exceed F40         . 
F41        or the amount of the required minimum payment, whichever is 
less. In the event a payment is returned in the same or in any of the six 
billing cycles following the initial violation, you will be charged F42         
or the amount of the required minimum payment, whichever is less. 
F43        or the amount of the returned convenience check, whichever is 
less. In the event a payment is returned in the same or in any of the six 
billing cycles following the initial violation, you will be charged F44         
or the amount of the returned convenience check, whichever is less. 
F45           
F46           
F47          
F48           
F49           
F50          
F51           
F52           

DAZXF1 (MXC403 CCM003)-e