UNIVERSITY OF IOWA COMMUNITY 
CREDIT UNION 
2355 Landon Road 
North Liberty, IA  52317 

APPLICATION AND SOLICITATION DISCLOSURE 

LOANLINER 
MASTERCARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Platinum Rewards / World / Student, MasterCard 

0.00% to 8.90% Introductory APR for a period of six 
(6) billing cycles based on your creditworthiness. 

After that your APR will be 12.90% to 
19.90% based on your creditworthiness. 

Platinum MasterCard 

0.00% to 8.90% Introductory APR for a period of six 
(6) billing cycles based on your creditworthiness. 

After that your APR will be 10.90% to 
17.90% based on your creditworthiness. 

APR for Balance Transfers 

Platinum Rewards / World / Student, MasterCard 

0.00% to 8.90% Introductory APR for a period of six (6) billing 
cycles based on your creditworthiness. 

After that your APR will be 12.90% to 19.90% based on your 
creditworthiness. 

Platinum MasterCard 

0.00% to 8.90% Introductory APR for a period of six (6) billing 
cycles based on your creditworthiness. 

After that your APR will be 10.90% to 17.90% based on your 
creditworthiness. 

APR for Cash Advances 

Platinum Rewards / World / Student, MasterCard 

0.00% to 8.90% Introductory APR for a period of six (6) billing 
cycles based on your creditworthiness. 

After that your APR will be 12.90% to 19.90% based on your 
creditworthiness. 

Platinum MasterCard 

0.00% to 8.90% Introductory APR for a period of six (6) billing 
cycles based on your creditworthiness. 

After that your APR will be 10.90% to 17.90% based on your 
creditworthiness. 

  
 
 
 
  
   
 
  
   
  
How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
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. 
None 
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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee - Platinum 
Rewards MasterCard, Platinum 
MasterCard, World MasterCard, 
Student MasterCard 

-  Cash Advance Fee 

None 

None 

$5.00 or 3.00% of the amount of each cash advance, 
whichever is greater 

-  Foreign Transaction Fee – 

1.00% of each transaction in U.S. dollars 

Platinum Rewards MasterCard, 
Platinum MasterCard, Student 
MasterCard   

-  Foreign Transaction Fee –  
     World MasterCard 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

None 

None 

Up to $15.00 
None 
Up to $25.00