Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

F1             

Visa Platinum 
F2           to F3           Introductory APR, for qualifying 
members, for a period of six billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F4           to F5           based on your 
creditworthiness.  

Visa Platinum CURewards 
F6           to F7           Introductory APR, for qualifying 
members, for a period of six billing cycles, based on your 
creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F8           to F9           based on your 
creditworthiness.  

Visa Secured 
F10           
Visa Platinum 
F11         to F12         Introductory APR, for qualifying members, for a 
period of six billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F13         to F14         based on your creditworthiness.  

Visa Platinum CURewards 
F15         to F16         Introductory APR, for qualifying members, for a 
period of six billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F17         to F18         based on your creditworthiness.  

Visa Secured 
F19           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

D42JI3 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

APPLICATION AND SOLICITATION DISCLOSURE1.90%5.90%7.90%18.00%1.90%5.90%8.40%18.00%13.90%1.90%5.90%7.90%18.00%1.90%5.90%8.40%18.00%13.90% 
 
 
 
 
 
 
 
 
 
 
 
 
 
APR for Cash Advances 

Visa Platinum 
F20         to F21         Introductory APR, for qualifying members, for a 
period of six billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F22         to F23         based on your creditworthiness.  

Visa Platinum CURewards 
F24         to F25         Introductory APR, for qualifying members, for a 
period of six billing cycles, based on your creditworthiness.  

After that, or if you do not qualify for the Introductory APR, your APR 
will be F26           to F27           based on your creditworthiness.  

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Visa Secured 
F28           
F29           

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.  
If you are charged interest, the charge will be no less than F30        . 
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. 

F31           

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
Up to F35            
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
F36           
Up to F37           
-  Returned Payment Fee 
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  
Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. 
Effective Date:  
The information about the costs of the card described in this application is accurate as of F38                               
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

F32           
F33           
F34         of each transaction in U.S. dollars 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Expedited (Right Time) Payment Fee 

F39         or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F40         or the amount of the required minimum payment, whichever is 
less. 
F41           
F42           
F43           
F44           
F45           

D42JI3 (MXC403 CCM003)-e 

1.90%5.90%10.90%18.00%1.90%5.90%11.40%18.00%16.90%None$1.00NoneNoneNone1.00%$25.00$25.00None$25.00$25.00July 15, 2015.$5.00$5.00$27.50$5.00$5.00