Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND SOLICITATION DISCLOSURE 

Community Visa 
7.50%
when you open your account,
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.

to 13.75%

      or Less 

$249.99

Student CU Visa 
Balances to F3     
0.00%
F4
After that your APR will be F5
$250.00
Balances of F6 
10.00%
F7

 or Greater 

Introductory APR for a period of 48 billing cycles.

10.00%

.

Community Secured Visa 
13.75%
F8
This APR will vary with the market based on the Prime Rate.

Cash Back Visa 
12.99%
F9
based on your creditworthiness.

or F10           when you open your account,

15.99%

Introductory APR for a period of six (6) billing cycles.
.

18.00%

 or Greater 

$600.00

Big Ticket 
Purchases of F11  
0.00%
F12
After that your APR will be F13
Purchases of F14  
 or Less 
18.00%
F15
Community Visa 
0.00%
F16    

$599.99

APR for Balance Transfers 

Introductory APR for a period of six billing cycles. 

7.50%
After that your APR will be F17    
 , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.

 to F18   

13.75%

Student CU Visa 
Balances to F19  

$249.99

 or Less 

0.00%
F20    
After that your APR will be F21    

10.00%

Introductory APR for a period of 48 billing cycles.

.

Balances of F22  

$250.00

 or Greater 

10.00%
F23    

Community Secured Visa 
13.75%
F24     
This APR will vary with the market based on the Prime Rate.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNCJF3 (MXC403 CCM003)-e
SEE NEXT PAGE for more important information about your account. 

Cash Back Visa 
0.00%
F25           Introductory APR for a period of six billing cycles.  

After that your APR will be F26           or F27           , based on your 
creditworthiness.  

12.99%

15.99%

APR for Cash Advances 

Penalty APR and When it Applies 

Big Ticket 
18.00%
F28           
Community Visa 
7.50%
F29           to F30           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

13.75%

Student CU Visa 
10.00%
F31           

Community Secured Visa 
13.75%
F32           
This APR will vary with the market based on the Prime Rate. 

Cash Back Visa 
12.99%
F33           or F34           when you open your account, based on your 
creditworthiness. 

15.99%

Big Ticket 
18.00%
F35           
F36           
18.00%
This APR may be applied to your account if you: 
  -  Make a late payment 
  -  Make a payment that is returned 

How Long Will the Penalty APR Apply? If your APRs are increased 
for these reasons, the Penalty APR will apply until you make at least six 
minimum payments by the payment due date as shown in your monthly 
statement. However, the Penalty APR may apply to new transactions 
indefinitely. 

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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

None
F37           

1.00%
F38           of each multiple currency transaction in U.S. dollars 
0.80%
F39           of each single currency transaction in U.S. dollars 

$25.00
Up to F40            
$25.00
Up to F41           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Loss of Introductory APR: We may end your Introductory APR if you are 60 days late in making a payment or make a 
payment that is returned. With the loss of your Introductory APR, you APR will be a rate of F42           for the Student CU 
Visa and F43           for the Big Ticket. 

10.00%

18.00%

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment or make a payment that is returned. 

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Effective Date:  
The information about the costs of the card described in this application is accurate as of F44                               .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

February 1, 2016

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$25.00
F45           or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment. 
$25.00
F46           or the amount of the required minimum payment, whichever 
is less. 
$5.00
F47           
$15.00
F48           
$35.00
F49           
$10.00
F50           

DNCJF3 (MXC403 CCM003)-e