� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  02006646 -MXC10 -P-4-072817 (MXC101 -E) APPLICATION AND SOLICITATION DISCLOSURE 
VISA ELITE 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases 9.90% , 10.90% , 15.90% or 17.90% , when you open 
your account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
APR for Balance Transfers  12.90% , 13.90% or 18.00% , when you open your account, based on 
your creditworthiness. This  APR will vary with the market based on the 
Prime 
Rate. 
APR for Cash Advances  12.90% , 13.90% or 18.00% , when you open your account, based on 
your creditworthiness. This  APR will vary with the market based on the 
Prime 
Rate. 
Penalty APR and When it Applies  18.00%  
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 clo se 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. 
Minimum Interest Charge  If you are charged interest, the charge will be no less than $0.50 . 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 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  
Transaction Fees 
-Cash Advance Fee
-Foreign Transaction Fee$0.95 
1.00% of each transaction in U.S. dollars 
Penalty Fees  
-Late Payment Fee
-Returned Payment FeeUp to $10.00 Up to $25.00 
How W e Will C alculate Your B alance: 
We us e a method call ed "average daily balance ( including new pur chases)." 
Application o f Penalty APR: 
Your APR m ay be increased to t he disclosed Penalty APR i f you ar e 60 days l ate in making a payment. 
Minimum I nterest Charge: 
The minimum i nterest c harge will be c harged on any dollar am ount. 
Effective Date: 
The information about the costs of the card described in this application is accurate as of: April 1, 2020.
 SEE N EXT PAGE for more important information about your  account. 
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  02006646 -MXC10 -P-4-072817 (MXC101 -E) This information may have changed after that date. To find out what may have changed, contact the Credit U nion. 
For California Borrowers, the Visa Elite is a secured credit card. 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 IndividualRetirement Account or in any other account that wou ld lose special tax treatment under state or federal law,  and
(d)collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that during any periods when you are a covered borrower under theMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not besecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not bedeemed 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.
Other F ees & D isclosures: 
Late Payment F ee: 
$10.00 or t he amount of t he required minimum pa yment, whichever is l ess, if y ou are 16 or m ore days l ate in making a 
payment. 
Cash Advance Fee (Finance Charge): 
$0.95. 
Returne d Payment F ee: 
$25.00 or t he amount of t he required minimum pa yment, whichever is l ess. 
Card Replacement F ee: 
$10.00. 
Emergency C ard Replacement F ee: 
$20.00. 
Pay-b y-Phone Fee:  
$10.00. 
Rush Fee: 
$20.00. 
Statement C opy F ee: 
$5.00. 
Copy of S ales D raft F ee: 
$2.00. 
Original Sales D raft F ee: 
$6.00.