Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum 
F1          , F2          , F3          , F4          ,  
F5          , or F6          when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

Visa Platinum Share Secured 
F7             
This APR will vary with the market based on the Prime Rate. 

Earned Rewards 
F8          , F9          , or F10        when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 

Earned Premium Visa Signature 
F11        , F12        , or F13        when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
Visa Platinum 
F14        Introductory APR for a period of six billing cycles.  

After that your APR will be F15        , F16        , F17        , F18        ,  
F19        , or F20       , based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

Visa Platinum Share Secured 
F21           
This APR will vary with the market based on the Prime Rate. 

Earned Rewards 
F22        Introductory APR for a period of 12 billing cycles.  

After that your APR will be F23        , F24        , or F25        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Earned Premium Visa Signature 
F26        Introductory APR for a period of 12 billing cycles.  

After that your APR will be F27        , F28        , or F29        , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Visa Platinum 
F30        , F31        , F32        , F33        , F34        , or F35        when 
you open your account, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

Visa Platinum Share Secured 
F36           
This APR will vary with the market based on the Prime Rate. 

Earned Rewards 
F37           
This APR will vary with the market based on the Prime Rate. 

Earned Premium Visa Signature 
F38           
This APR will vary with the market based on the Prime Rate. 
F39           

This APR may be applied to your account if you: 
  -  Make a late payment 

Penalty APR and When it Applies 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Additional Card Fee 
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 

F40           
F41           
F42           
F43           

Either F44        or F45        of the amount of each balance transfer, 
whichever is greater 
F46           
F47        of each transaction in U.S. dollars 
F48           

Up to F49            
F50           
Up to F51           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Visa Platinum, Earned Rewards, and Earned Premium Visa Signature – Promotional Period for Introductory APR: 
For  Visa  Platinum,  the  Introductory  APR  for  balance  transfers  will  apply  to  transactions  posted  to  your  account  for  six 
months  from  account  opening.  For  Earned  Rewards  and  Earned  Premium  Visa  Signature,  the  Introductory  APR  for 
balance transfers will apply to transactions posted to your account for 12 months from account opening. 

Visa  Platinum,  Earned  Rewards,  and  Earned  Premium  Visa  Signature  –  Loss  of  Introductory  APR: We  may  end 
your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a payment.  

 Application  of  Penalty  APR:  Your  APR  may  be  increased  to  the  disclosed  Penalty  APR  if  you  are  60  days  late  in 
making a payment. 

Effective Date:  

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The information about the costs of the card described in this application is accurate as of F52                          . 
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 
Rush Fee 
PIN Replacement Fee  
Card Replacement Fee 
Unreturned Card Fee 
Pay-by-Phone Fee 

 or the amount of the required minimum payment, whichever is 

 or the amount of the required minimum payment, whichever is 

F53     
less, if you are 15 or more days late in making a payment. 
F54     
less. 
F55   
F56  
F57     
F58     
F59  
F60   
F61  
F62   

 2 day 
 next day 

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