Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APPLICATION AND
SOLICITATION
DISCLOSURE

Visa Credit Card
 to
10.65% 22.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Rewards Credit Card
 to
13.25% 24.60%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature Rewards Card
 to
16.91% 25.00%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Secured
15.45%
This APR will vary with the market based on the Prime Rate.

Visa Credit Card
0.00%

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.65% 22.00%
 to

, based on your

Visa Rewards Credit Card
0.00%

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

13.25% 24.60%
 to

, based on your

Visa Signature Rewards Card
0.00%

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

16.91% 25.00%
 to

, based on your

Visa Secured
15.45%
This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-050422 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Credit Card
10.65% 22.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Rewards Credit Card
13.25% 24.60%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature Rewards Card
16.91% 25.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Secured
15.45%
This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
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.
If you are charged interest, the charge will be no less than $1.00.
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
- Additional Card Fee

Transaction Fees
- Introductory APR Balance Transfer Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Signature Rewards Card
- Balance Transfer Fee
  Visa Secured
- Cash Advance Fee
- Foreign Transaction Fee

Visa Credit Card
Visa Rewards Credit Card
Visa Secured

- Foreign Transaction Fee

Visa Signature Rewards Card
- Transaction Fee for Purchases

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater

None

$2.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

None

None

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases)
(including new balance transfers and cash advances)."

Introductory APR for Balance Transfers - Visa Credit Card, Visa Rewards Credit Card, and Visa Signature
Rewards Card: We permit balance transfers from most non-University of Wisconsin Credit Union accounts. Any existing
balances on University Of Wisconsin Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-050422 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

July 26, 2022
Effective Date: The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

.

For California Borrowers, the Visa Credit Card, Visa Rewards Credit Card, Visa Signature Rewards Card and Visa
Secured 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: $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.

Balance Transfer Fee (Finance Charge) - Visa Credit Card, Visa Rewards Credit Card, and Visa Signature Rewards Card:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater. However, this fee is waived for non-
introductory balance transfers.

Cash Advance Fee (Finance Charge): $2.00.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Rush Fee: $25.00 Monday through Friday for domestic delivery. $45.00 International delivery and Saturday domestic
delivery.

Margins:
Visa Credit Card
5.90%
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

 to
5.90%

17.25%
 to
17.25%

 to

17.25%

5.90%

above the Index.

above the Index.

above the Index.

Visa Rewards Credit Card
8.50%
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

 to
8.50%

19.85%
 to
19.85%

 to

19.85%

8.50%

above the Index.

above the Index.

above the Index.

Visa Signature Rewards
12.16%
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

 to

12.16%

20.25%
 to
20.25%

 to

20.25%

12.16%

above the Index.

above the Index.

above the Index.

Visa Secured
10.70%
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

above the Index.

10.70%

above the Index.

10.70%

above the Index.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-050422 (MXC102-E)