Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

VISA PLATINUM 
VISA PREMIER CASH 
VISA PREMIER REWARDS 

Visa Platinum 
9.75%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Cash 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Rewards 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Platinum 
9.75%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Cash 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Rewards 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Platinum 
9.75%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Cash 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Visa Premier Rewards 
15.25%  to 17.75%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900391-MXC10-C-1-082719 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Penalty APR and When it Applies 

Visa Platinum 
17.75%. 

Visa Premier Cash 
17.75%. 

Visa Premier Rewards 
17.75%. 

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. 

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. 
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. 

None 

None 
None 
3.00% of each transaction in U.S. dollars 

None 

Up to $38.00 
Up to $27.00 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee - Visa 
Platinum, Visa Premier Cash 
- Foreign Transaction Fee - Visa Premier 
Rewards 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

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: March 6, 2020. This 
information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Visa  Platinum,  Visa  Premier  Cash  and  Visa  Premier  Rewards  are  secured  credit 
cards.  Credit  extended  under  this  credit  card  account  is  secured  by  various  personal  property  and  money 
including,  but  not  limited  to:  (a)  any  goods  you  purchase  with  this  account,  (b)  any  shares  you  specifically 
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or 
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account 
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have 
with  the  Credit  Union  excluding  dwellings.  Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that 
during  any  periods  when  you  are  a  covered  borrower  under  the  Military  Lending  Act  your  credit  card  will  be 
secured  by  any  specific  Pledge  of  Shares  you  grant  us  but  will  not  be  secured  by  all  shares  you  have  in  any 
individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you 
establish  your  credit  card  account  when  you  are  not  a  covered  borrower;  or  (ii)  you  cease  to  be  a  covered 
borrower. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900391-MXC10-C-1-082719 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other Fees & Disclosures: 
Late Payment Fee: 
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you 
will be charged $38.00 or the amount of the required minimum payment, whichever is less. 

Returned Payment Fee: 
$27.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$5.00 

Document Copy Fee: 
$5.00 per document. 

Statement Copy Fee: 
$5.00 per document. 

Account Research Fee: 
$20.00 per hour. Minimum $5.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

00900391-MXC10-C-1-082719 (MXC101-E)