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

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1  

F2          to F3          when you open your account, based 
on your creditworthiness.  
F4          to F5          when you open your account, based on your 
creditworthiness.   
F6          to F7          when you open your account, based on your 
creditworthiness. 
F8             

Penalty APR and When it Applies 
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 
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 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F9             
F10           
F11           
F12           
F13           
F14           

F15           
F16           
F17        of each transaction in U.S. dollars 
F18           

Up to F19            
F20           
Up to F21           

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 F22            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

F23        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F24        or the amount of the required minimum payment, whichever is 
less. 
F25        or the amount of the returned convenience check, whichever 
is less. 
F26           
F27           
F28           

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

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