Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

F1             

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Platinum A+ 
F2          Introductory APR for a period of six billing cycles.  

After that your APR will be F3          This APR will vary with the 
market based on the Prime Rate. 

Visa Platinum 
F4         F5         F6         F7          or F8          
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 
F9             
This APR will vary with the market based on the Prime Rate. 

Earned Rewards 
F10        F11        F12        F13        F14        
or F15        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 
F16        F17        F18        F19        F20        
or F21        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Platinum A+ 
F22           
This APR will vary with the market based on the Prime Rate. 

Visa Platinum 
F23        F24        F25        F26        or F27        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 
F28           
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 

Penalty APR and When it Applies 

Earned Rewards 
F29        F30        F31        F32        F33        or F34        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 
F35        F36        F37        F38        F39        or F40        when you 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
Visa Platinum A+ 
F41        Introductory APR for a period of six billing cycles.  

After that your APR will be F42        This APR will vary with the market 
based on the Prime Rate. 

Visa Platinum 
F43        F44        F45        F46        or F47        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 
F48           
This APR will vary with the market based on the Prime Rate. 

Earned Rewards 
F49        F50        F51        F52        F53        or F54        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 
F55        F56        F57        F58        F59        or F60        when you 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
F61           

This APR may be applied to your account if you: 
  -  Make a late payment 

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. 

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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 

F62           
F63           
F64           
F65           

F66           
F67           
F68         of each transaction in U.S. dollars 
F69           

Up to F70            
F71           
Up to F72           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Visa  Platinum  A+  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and  cash 
advances  will  apply  to  transactions  posted  to  your  account  during  the  first  six  months  following  the  opening  of  your 
account. 

Visa Platinum A+ – Loss of Introductory APR: We may end your Introductory APR for purchases and cash advances 
and apply the prevailing non-introductory 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:  
The information about the costs of the card described in this application is accurate as of F73                               
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 

F74         or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
F75         or the amount of the required minimum payment, whichever is 
less. 
F76           
F77           
$35.00 2nd day 
F78         next day 
F79           
F80           
F81           
F82           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

D42LF4 (MXC403 CCM003)-e