Card Type 

World 

Platinum Rewards 

Platinum

Interest Rates and Interest Charges 

Introductory Annual 
Percentage Rate (APR) for 
Purchases, Balance Transfers 
and Cash Advances 

A fixed Introductory rate of 0%-8.9%*
shall apply for the first six months.  Thereafter, the 
APR for all outstanding indebtedness and new 
balances relating to purchases, cash advances, 
and balance transfer transactions shall be at the 
rate listed below based on your credit worthiness; 
or, if you do not qualify for an Introductory APR.

A fixed Introductory rate of 0%-8.9%*
shall apply for the first six months.  Thereafter, the 
APR for all outstanding indebtedness and new 
balances relating to purchases, cash advances, 
and balance transfer transactions shall be at the 
rate listed below based on your credit worthiness; 
or, if you do not qualify for an Introductory APR.

A fixed Introductory rate of 0%-8.9%*
shall apply for the first six months.  Thereafter, the 
APR for all outstanding indebtedness and new 
balances relating to purchases, cash advances, 
and balance transfer transactions shall be at the 
rate listed below based on your credit worthiness; 
or, if you do not qualify for an Introductory APR.

APR for purchases, Balance 
Transfers and Cash Advances 

12.9 – 19.9%* 
Non- Variable Rate 
*Your APR is dependent on your 
Credit Worthiness 

12.9 – 19.9%* 
Non- Variable Rate 
*Your APR is dependent on your 
Credit Worthiness 

10.9 – 17.9%* 
Non- Variable Rate 
*Your APR is dependent on your 
Credit Worthiness 

How to Avoid Paying Interest 
on Purchases 

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.  We will begin charging interest on cash advances and balance transfers on the transaction date. 

Minimum Finance Charge 

None 

None 

None

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 
Annual Fee 

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 www.consumerfinance.gov/learnmore. 

None 

None 

None 

Transaction Fees 
1.

Internal Balance Transfer 
Fees 
External Balance 
Transfer Fees 
Convenience Check Fees 
Cash Advance Fees 
Foreign Transaction Fees 

2.

3.
4.
5.

Penalty Fees 
•
•
•

Late Payment Fee 
Over-the-Credit Limit Fee 
Returned Check Fee 

1.
2.
3.
4.

5.

•
•
•

None 
None 
None 
Either $5, or 3% of the amount of 
each cash advance, whichever is 
greater 
None

Up to $15 
None 
Up to $25 

1.
2.
3.
4.

5.

•
•
•

None 
None 
None 
Either $5, or 3% of the amount of 
each cash advance, whichever is 
greater 
1% of each foreign transaction in 
U.S. dollars 

Up to $15 
None 
Up to $25 

1.
2.
3.
4.

5.

•
•
•

None 
None 
None 
Either $5, or 3% of the amount of 
each cash advance, whichever is 
greater 
1% of each foreign transaction in 
U.S. dollars 

Up to $15 
None 
Up to $25 

•
•

•

•

How We Will Calculate Your Interest:  We use a method called “average daily balance (including new purchases).”  See your cardholder agreement for more details. 
Payments:  The minimum monthly payment is 2% of the new balance, or $25.00, whichever is greater.  If the unpaid interest and fees on the account are greater than 
the minimum monthly payment, the minimum monthly payment will become that amount.  Any amount that is past due or prior minimum payments that were not made will 
also be added to the minimum monthly payment amount. 
Loss of Introductory APR: You will lose your Introductory APR if your account becomes delinquent or over the limit. 

This information is accurate as of 03/15/2018.

PLEDGE OF SHARES.  You grant us a security interest in any of your share accounts with us to secure payment of your Account.  You authorize us to apply any funds in your 

share accounts to the balance owing on your Account if you should default.

SIGNATURE(S) 

1. You promise that everything you have stated in this application is correct to the best of your 
knowledge. If  there are any important changes you will  notify  us in writing immediately.  You
authorize the UICCU to obtain credit reports in connection with this application for credit and 
for  any  update,  increase,  renewal,  extension  or  collection  of  the  credit  received.  You
understand that the UICCU will rely on the information in this application and your credit report 
to make its decision. If you request, the UICCU will tell you the name and address of any credit  

bureau from which  it received a credit report on you. It  is  a federal  crime to willfully and 
deliberately  provide  incomplete  or incorrect  information  on  loan  applications made  to 
federal credit unions or state chartered credit unions insured by the NCUA. 
2. You understand that the use of your card will constitute acknowledgement of receipt and
agreement to the terms of the credit card agreement and disclosures. MasterCard may not 
be used for any illegal transactions. 

___________________ 

Applicant Signature 

Date 

____________________

Other Applicant Signature 

Date

Average Beacon  _________

Line-of-Credit amount approved $_____________

Is this card replacing an existing UICCU Credit Card? Y/N 

FOR UICCU USE ONLY 

Originated by Employee Number: _____________________

Approved by Employee Number:  _____________________