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  

Visa Classic 

F2             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F3             to F4             
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

Visa Secured 

F5             to F6             when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Visa Classic 

F7             Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F8             to F9             based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Secured 

F10           to F11           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Classic 

F12           Introductory APR for a period of six (6) billing cycles.  

After that your APR will be F13           to F14           based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Secured 

F15           to F16           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Classic 

F17           

Visa Secured 

F18           

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 

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F19           
F20           
F21           of each multiple currency transaction in U.S. dollars 
F22           of each single currency transaction in U.S. dollars 
F23           

Up to F24            
F25           
Up to F26           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Loss of Introductory APR. We may end your Introductory APR if you fail to pay the minimum required payment by the 
payment due date shown on your statement. With the loss of your Introductory APR, the prevailing non-introductory APR 
will apply. 

Effective Date.  
The information about the costs of the card described in this application is accurate as of F27            
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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
PIN Replacement Fee 
Card Replacement Fee 

F28           or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment. 
F29           or the amount of the required minimum payment, whichever 
is less. 
F30           First one free 
F31           
F32           
F33           
F34           
F35           

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