This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
- Balance Transfer Fee

- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

11.75%
This APR will vary with the market based on the Prime Rate. 
0.00% Introductory APR until April 30, 2019.
After that your APR will be 15.75%. This APR will vary with the 
market based on the Prime Rate. 
15.75%
This APR will vary with the market based on the Prime Rate. 
18.00% 

This APR may be applied to your account if you: 

- Make a late payment
- Make a payment that is returned

How Long Will the Penalty APR Apply? If your APRs are increased 
for these reasons, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
balance transfers and cash advances on the transaction date.  
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. 

$5.00 or 2.00% of the amount of each balance transfer, whichever is 
greater 
3.00% of each transaction in U.S. dollars 

Up to $27.00 
Up to $27.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your Account Agreement for more details.

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from February 1, 2018, until April 30, 2018.

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.  If  your  APRs  are  increased  for  this  reason,  the  Penalty  APR  will  apply  until  you 
make six (6) consecutive minimum payments when due.

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment or make a payment that is returned. If your APRs are increased for this reason, the Penalty APR will apply until 
you make six (6) consecutive minimum payments when due.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Account Agreement.
OTHER DISCLOSURES 

Balance Transfer Fee 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

$5.00 or 2.00% of the amount of each balance transfer, whichever is 
greater. The fee will be waived on all balance transfers posted at the 
non-introductory APR. 
Up to $27.00 or the amount of the required minimum payment, 
whichever is less, if your payment has not been received by the third 
calendar day of the month following the date that your payment is due. 
Up to $27.00 or the amount of the required minimum payment, 
whichever is less. 
$5.00 
$85.00 
$7.00 

Collection  Costs:  You  promise  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement  to  the  extent 
permitted by state law.  

Periodic Rates: 
The Purchase APR is 11.75% which is a daily periodic rate of 0.03219%.
The Introductory Balance Transfer APR is 0.00% which is a daily periodic rate of 0.00000%. 
The Balance Transfer APR is 15.75% which is a daily periodic rate of 0.04315%.
The Cash Advance APR is 15.75% which is a daily periodic rate of 0.04315%.
The Penalty Rate APR is 18.00% which is a daily periodic rate of 0.04932%.

Variable Rate: 
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  on  the  first  day  of  the  billing  cycle  to  reflect  any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street 
Journal  on  the  third  business  day  prior  to  the  end  of  each  calendar  quarter,  to  which  we  add  a  margin.  The  ANNUAL 
PERCENTAGE  RATE  will  never  be  greater  than  18.00%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take 
the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, 
the Credit Union will choose a new index which is based upon comparable information. 

Margin: 
Purchases will be charged at 7.00% above the Index.
Balance Transfers will be charged at 11.00% above the
Index. Cash Advances will be charged at 11.00% above the
Index. 

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