CREDIT CARD ACCOUNT 
 OPENING DISCLOSURE 

FF1            1             

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. 

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 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

F2           Introductory APR for a period of six billing cycles.  

After that your APR will be F3          .  
F4           Introductory APR for a period of six billing cycles.  

After that your APR will be F5          .  
F6           Introductory APR for a period of six billing cycles.  

After that your APR will be F7          .  
F8             
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.  
If you are charged interest, the charge will be no less than F9          .  
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 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F10           
F11           
F12           
F13           
F14           
F15           

F16           
F17         of each multiple currency transaction in U.S. dollars 
F18         of each single currency transaction in U.S. dollars 
F19           

Up to $37.00  
Up to F20           

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 purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the first six months following the opening of your account.  

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00902328-MCX45-C-1-020916 (MXC453 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER FEES AND DISCLOSURES 

Late Payment Fee 
$27.00 or the amount of the required minimum payment, whichever is less, if you fail to make your required minimum 
payment by the final calendar day of the month in which your payment is due. 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 $37.00 or the amount of the required 
minimum payment, whichever is less. 

Returned Payment Fee 
F21         or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned 
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 

Rush Fee 
F22        . If Your Account is subject to a Rush Fee, except as limited by applicable law, a few may be charged to Your 
Account for each rush card that You request. Providing delivery of the card is also available by standard mail service 
without paying a fee for delivery. 

Emergency Card Replacement Fee 
F23        . If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for 
each emergency replacement card that is issued to You. 

F29           

Sales Draft Copy Request Fee 
F24        . 27           

Original Sales Draft Copy Request Fee 
F25        . 28            

Periodic Rates: 
The Introductory Purchase APR is F26          which is a daily periodic rate of F27           
The Purchase APR is F28          which is a daily periodic rate of F29           
The Introductory Balance Transfer APR is F30          which is a daily periodic rate of F31           
The Balance Transfer APR is F32          which is a daily periodic rate of F33           
The Introductory Cash Advance APR is F34          which is a daily periodic rate of F35           
The Cash Advance APR is F36          which is a daily periodic rate of F37           

00902328-MXC45-C-1-022217 (MXC453 CCM003)-e