Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APPLICATION AND
SOLICITATION
DISCLOSURE

Platinum Elite Visa

,

,

,

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

Platinum Elite Rewards Visa

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

Platinum Elite Cash Back Visa

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

,

,

,

,

Secured Classic Visa

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Platinum Elite Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Platinum Elite Rewards Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Platinum Elite Cash Back Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Secured Classic Visa

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC10-P-1-061417 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Platinum Elite Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Platinum Elite Rewards Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Platinum Elite Cash Back Visa

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Secured Classic Visa

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

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.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

1.00% of each transaction in U.S. dollars

Up to $35.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Platinum Elite Visa, Platinum Elite Rewards Visa, Platinum Elite Cash Back Visa and
Secured Classic Visa 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC10-P-1-061417 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$25.00.

Rush Fee:
$20.00.

Statement Copy Fee:
$2.00.

Research Fee:
$20.00 minimum per hour.

Sales Draft Copy Fee:
$5.00 per copy.

Stop Payment Fee:
$28.00 per request.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC10-P-1-061417 (MXC101-E)