APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

Visa Platinum
,

Visa Rewards
,

Visa Signature

,

,

,

,

,

,

,

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

Visa Secured

This APR will vary with the market based on the Prime Rate.

Visa Platinum
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Rewards
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Signature
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Secured

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-070221 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

VISA PLATINUM/VISA PLATINUM REWARDS/VISA SIGNATURE9.24%10.24%11.24%14.00%16.00%11.49%12.49%13.49%16.49%17.49%11.49%12.49%13.49%16.49%17.49%15.99%9.24%10.24%11.24%14.00%16.00%11.49%12.49%13.49%16.49%17.49%11.49%12.49%13.49%16.49%17.49%15.99%APR for Cash Advances

Visa Platinum

Visa Rewards

Visa Signature

Visa Secured

How to Avoid Paying Interest on
Purchases

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.

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
Transaction Fees
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

$5.00 or 2.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
None

Up to $25.00
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 Visa Platinum, Visa Rewards, Visa Signature and Visa Secured 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Pay-by-Phone Fee:
$10.00.

Statement Copy Fee:
$5.00 per page.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-1-070221 (MXC102-E)

18.00%18.00%18.00%18.00%March 21. 2022