Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum 
F2            % to F3             when you open your account, 
based on your creditworthiness. 

Visa Platinum Secured 
F4             
Visa Platinum 
F5             to F6             when you open your account, based on your 
creditworthiness. 

Visa Platinum Secured 
F7             
Visa Platinum 
F8             to F9             when you open your account, based on your 
creditworthiness. 

Visa Platinum Secured 
F10           

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 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  International Service Assessment Fee 

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. 

F11           of the amount of each balance transfer 
F12           of each multiple currency transaction in U.S. dollars 
F13           of each single currency transaction in U.S. dollars 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

Up to F14            
Up to F15           
Up to F16           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F17                               .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

F18           or the amount of the required minimum payment, whichever 
is less, if you are ten 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 F19           or the 
amount of the required minimum payment, whichever is less. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DFLTB5 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F20           or the amount of the transaction exceeding your approved 
credit limit, whichever is less. In the event you exceed your credit limit 
in the same or in any of the six billing cycles following the initial 
violation, you will be charged F21           or the amount of the 
transaction exceeding your approved credit limit, whichever is less. 
F22           or the amount of the required minimum payment, whichever 
is less. In the event a payment is returned in the same or in any of the 
six billing cycles following the initial violation, you will be charged F23           
or the amount of the required minimum payment, whichever is less. 
F24           
F25           
F26           
F27           
F28           

DFLTB5 (MXC403 CCM003)-e