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

F1 
(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:5)(cid:9)(cid:3)(cid:10)(cid:11)(cid:12)(cid:13)(cid:6)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:5)(cid:9)(cid:3)(cid:10)(cid:11)(cid:12)(cid:6)(cid:7)(cid:14)(cid:15)(cid:16)(cid:15)(cid:14)(cid:14)(cid:15)(cid:17)(cid:13)(cid:6)(cid:2)(cid:3)(cid:4)(cid:5)
(cid:18)(cid:8)(cid:5)(cid:4)(cid:4)(cid:3)(cid:18)(cid:13)(cid:6)(cid:5)(cid:10)(cid:17)(cid:6)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:4)(cid:19)(cid:5)(cid:14)(cid:15)(cid:6)(cid:4)(cid:15)(cid:18)(cid:11)(cid:14)(cid:15)(cid:17)

APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum 

F2             
10.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum with Awards 

F3             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F4             
12.25%
This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Visa Share Secured 

F5             
17.89%
Visa Platinum 

F6             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum with Awards 

F7             
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F8             
12.25%
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

Visa Share Secured 

F9             
17.89%
Visa Platinum 

F10           
10.25%
This APR will vary with the market based on the Prime Rate. 

Visa Platinum with Awards 

F11           
11.25%
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F12           
12.25%
This APR will vary with the market based on the Prime Rate. 

Visa Share Secured 

F13           
17.89%

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DUTDS0 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
Minimum Interest Charge 

If you are charged interest, the charge will be no less than F14           
The minimum interest charge will be charged on any dollar amount. 

$.01.

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 Federal 
Reserve Board 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F15           
None

F16           
None
F17           
None
1% of each multiple currency transaction in U.S. dollars 
F18           of each single currency transaction in U.S. dollars 
.80%

Up to F19            
$25.00
F20           
None
Up to F21           
$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 F22            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

July 1, 2012.

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F23           or the amount of the required minimum payment, whichever 
$25.00
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 
$25.00
is less. 
F25           
$10.00
F26           
$25.00
F27           
$10.00

DUTDS0 (MXC400 CCM001)-e