APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM / VISA PLATINUM SHARE SECURED / 
EARNED REWARDS / EARNED PREMIUM VISA SIGNATURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
1.99%
billing cycles.

 Introductory APR, for qualifying members, for a period of six

After that, or if you do not qualify for the Introductory APR, your APR will be
9.50%
18.00%
will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

 to

Visa Platinum Share Secured
12.50%

This APR will vary with the market based on the Prime Rate.

Earned Rewards
14.25% to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

Earned Premium Visa Signature
14.25% to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-3-110217 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Balance Transfers

APR for Cash Advances

Visa Platinum
1.99%
on your creditworthiness.

12.99%

to

 Introductory APR for a period of six billing cycles, based

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

18.00%

9.50%

 to

Visa Platinum Share Secured
12.50%

This APR will vary with the market based on the Prime Rate.

Earned Rewards
14.25%  to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

18.00%

, when you open your account, based on your

Earned Premium Visa Signature
14.25%  to
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum
9.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

to

Visa Platinum Share Secured
12.50%

This APR will vary with the market based on the Prime Rate. 

Earned Rewards
17.99%

This APR will vary with the market based on the Prime Rate.

Earned Premium Visa Signature
17.99%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-3-110217 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Visa Platinum
18.00%

Visa Platinum Share Secured
18.00%

Earned Rewards
18.00%

Earned Premium Visa Signature
18.00%

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 consecutive
minimum payments when due.

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.

None
None
None
None

None

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater

None
1.00% of each transaction in U.S. dollars
None

Up to $15.00
None
Up to $20.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Program Fee
- Additional Card Fee

Transaction Fees
- Balance Transfer Fee - Visa Platinum,
Visa Platinum Share Secured
- Balance Transfer Fee - Earned
Rewards, Earned Premium Visa
Signature
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first
six months following the opening of your account. Any existing balances on Generations Community Federal Credit Union
loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR if
you are 60 days late in making a payment.

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-3-110217 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Effective Date:
The information about the costs of the card described in this application is accurate as of:  May 1st 2018. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum, Visa Platinum Share Secured, Earned Rewards and Earned Premium
Visa Signature are secured credit cards. Credit extended under this credit card account is secured by various
personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any
shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you
have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement
Account or in any other account that would lose special tax treatment under state or federal law, and (d)
collateral securing other 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;
or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$15.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a
payment.

Balance Transfer Fee (Finance Charge) - Earned Rewards, Earned Premium Visa Signature:
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
None.

Pay-by-Phone Fee:
$5.00.

PIN Replacement Fee:
None.

Rush Fee:
$35.00 second day. $55.00 overnight.

Statement Copy Fee:
$2.00.

Unreturned Card Fee:
None.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-3-110217 (MXC101-E)