APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F2           , F3           , F4           , F5           , 
F6           , or F7           when you open your account, 
based on your creditworthiness. 
F8           , F9           , F10         , F11         , F12         , or F13         
when you open your account, based on your creditworthiness. 
F14         , F15         , F16         , F17         , F18         , or F19         
when you open your account, based on your creditworthiness. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
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.  
F20         
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 

F21         

F22         of each transaction in U.S. dollars 

Up to F23          
Up to F24         

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 F25                             .  
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 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F26         or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F27         or the amount of the required minimum payment, whichever is 
less. 
F28         
F29         
F30         
F31         

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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