APPLICATION AND SOLICITATION DISCLOSURE 

VISA PLATINUM

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

APR for Balance Transfers 

APR for Cash Advances 

8.49%

24.99%

               to                  when you open your account, 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
8.49% 24.99%
               to                 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
10.49% 24.99%
               to                 when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

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 

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. 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

NONE
$10.00
              or                  of the amount of each cash advance, whichever 
is greater 
1.00%
                of each transaction in U.S. dollars 

2.00%

Up to     
Up to    

$25.00
$25.00

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     
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

May 1, 2013.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Sales Draft Copy Fee 
Stop Payment Fee 
Research Fee 

$25.00

               or the amount of the required minimum payment, if your 
payment is not made by the Due Date. 
               or the amount of the required minimum payment, whichever 
$25.00
is less. 
$5.00
$30.00
$5.00
Up to $18.00
$5.00 NON FRAUD
$25.00
$25.00

               per hour 

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

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