Interest Rate and Interest Charges
Annual Percentage Rate (APR) for
Purchases
Visa Platinum Plus
CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVEDVISA PLATINUM/VISA PLATINUM PLUS/VISA GOLD/
VISA GOLD PLUS/VISA CLASSIC/VISA SECURED 
SCCU Form CC_APP_SOL_DISC   Rev. 9/17SEE NEXT PAGE for more important information about your account.Visa Platinum
.  This APR will vary with the 
market based on the Prime Rate.After that your APR will be .  This APR will vary with the 
market based on the Prime Rate.
Visa Gold
market based on the Prime Rate.Introductory APR for a period of six billing cycles.
.  This APR will vary with the 
Visa Gold Plus
market based on the Prime Rate.Introductory APR for a period of six billing cycles.
.  This APR will vary with the 
Visa Classic
market based on the Prime Rate.Introductory APR for a period of six billing cycles.
.  This APR will vary with the Introductory APR for a period of six billing cycles.Introductory APR for a period of six billing cycles.
After that your APR will be
After that your APR will be
After that your APR will be
After that your APR will be
Visa Secured
APPLICATION AND 
SOLICITATION 
DISCLOSURE
10420502-MXC10-C-1-081717 (MXC101-E)22.9920.7418.9915.7413.9913.7411.9912.7410.998.99 APR for Balance Transfers
Visa Platinum PlusVisa Platinum
market based on the Prime Rate.After that your APR will be
market based on the Prime Rate.
Visa Gold
market based on the Prime Rate.
Visa Gold Plus
market based on the Prime Rate.
Visa Classic
market based on the Prime Rate.After that your APR will be
After that your APR will be
After that your APR will be
After that your APR will be
Visa SecuredIntroductory APR for a period of six billing cycles.Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles..  This APR will vary with the .  This APR will vary with the 
.  This APR will vary with the 
.  This APR will vary with the 
.  This APR will vary with the 
CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVEDSEE NEXT PAGE for more important information about your account.
SCCU Form CC_APP_SOL_DISC   Rev. 9/17
10420502-MXC10-C-1-081717 (MXC101-E) CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVEDSEE NEXT PAGE for more important information about your account.
SCCU Form CC_APP_SOL_DISC   Rev. 9/17
10420502-MXC10-C-1-081717 (MXC101-E)APR for Cash Advances
Visa Platinum PlusVisa Platinum
market based on the Prime Rate.After that your APR will be
market based on the Prime Rate.
Visa Gold
market based on the Prime Rate.
Visa Gold Plus
market based on the Prime Rate.
Visa Classic
market based on the Prime Rate.After that your APR will be
After that your APR will be
After that your APR will be
After that your APR will be
Visa SecuredIntroductory APR for a period of six billing cycles.Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles.
Introductory APR for a period of six billing cycles..  This APR will vary with the .  This APR will vary with the 
.  This APR will vary with the 
.  This APR will vary with the 
.  This APR will vary with the 
Fees
Annual Fee
Transaction FeesHow To Avoid Paying Interest 
on Purchases - Visa Platinum, Visa 
Platinum Plus, Visa Gold, Visa Gold 
Plus, and Visa Classic
For Credit Card Tips from the Consumer 
Financial Protection Bureau
- Annual Fee - Visa Platinum, Visa Gold, 
Visa Classic
- Balance Transfer Fee
- Cash Advance Fee - Visa Platinum, 
Visa Platinum Plus, Visa Gold, Visa Gold 
Plus, Visa Classic
- Cash Advance Fee - Visa Secured
- Foreign Transaction Fee- Annual Fee - Visa Platinum Plus, VisaGold 
Plus
Penalty Fees$10.00or3.00% of the amount of each cash advance, whichever is greaterNone$25.00
NoneYour due date is at least 25 days after the close of each billing cycle. 
We will not charge you 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 Web site of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore.
None
- Late Payment Fee
- Returned Payment FeeUp to$10.00
Up to$25.00Paying Interest - Visa Secured We will begin charging interest on purchases on the transaction date.
$25.00 CUNA MUTUAL GROUP, 2009, 10, 12, 16  ALL RIGHTS RESERVEDSEE NEXT PAGE for more important information about your account.
SCCU Form CC_APP_SOL_DISC   Rev. 9/17
10420502-MXC10-C-1-081717 (MXC101-E)How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."
Promotional Period for Introductory APR - Visa Platinum, Visa Platinum Plus, Visa Gold, Visa Gold Plus, Visa
Classic:
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your
account during the first six months following the opening of your account.
Effective Date:
The information about the costs of the card described in this application is accurate as of: January 1, 2019 .
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Secured is a secured credit card. 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:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.
Annual Fee - Visa Platinum Plus, Visa Gold Plus:
$25.00.
Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Platinum Plus, Visa Gold, Visa Gold Plus, Visa Classic:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.
Cash Advance Fee (Finance Charge) - Visa Secured:
$25.00.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Document Copy Fee:
$2.00 per document.
Rush Fee:
$25.00.
Statement Copy Fee:
$5.00 per document.
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