APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa Platinum
Preferred
- Foreign Transaction Fee - ABNB Black
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Visa Platinum Preferred
 6.99% to 16.50% , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.

ABNB Black
 9.50% to 12.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum Preferred
6.99% to 16.50% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

ABNB Black
9.50% to 12.49% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

Visa Platinum Preferred
6.99% to 16.50% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

ABNB Black
9.50% to 12.49% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

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.

None

None
None
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
None

Up to $29.00
Up to $29.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-C-1-060221 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

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: July 1st, 2021
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum Preferred and ABNB Black 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.

Other Fees & Disclosures:
Late Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a 
payment.

Returned Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-C-1-060221 (MXC102-E)