APPLICATION AND 

SOLICITATION 
DISCLOSURE 

VISA PLATINUM VARIABLE/VISA PLATINUM 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

Visa Platinum Variable 
10.50% 

This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

Visa Platinum 
13.99% 

Visa Platinum Variable 
10.50% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Visa Platinum 
13.99% 
Visa Platinum Variable 
10.50% 

This APR will vary with the market based on the Prime Rate. 

Visa Platinum 
13.99% 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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. 

Fees 
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

None 
None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $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: January 21, 2018 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

Charter Oak Federal Credit Union 

00607254-MXC10-P-1-051517 (MXC101-E) 

         SEE NEXT PAGE for more important information about your account. 

For California Borrowers, the Visa Platinum Variable and Visa Platinum 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.

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$25.00. 

Rush Fee: 
$25.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

Charter Oak Federal Credit Union 

00607254-MXC10-P-1-051517 (MXC101-E)