Alliant Cashback Visa� Signature Card Disclosure  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) 
for Purchases  12.24% to 22.24% based on your creditworthiness. This APR  will vary with the market based on the Prime Rate. 
APR for Balance  Transfers  12.24% to 22.24% based on your creditworthiness. This APR  will vary with the market based on the Prime Rate. 
APR for Cash Advances  20.24% -24.24%  This APR will vary with the market based on the Prime Rate.  
Penalty APR and 
When it Applies  25.24%  This APR will vary with the market based on the Prime Rate. This APR  may be applied to your account if you make a late payment; make a payment that is returned;  or do any of the above on another account that you have with us.  
How Long Will the Penalty  APR Apply?  If your APR(s) is increased for the reason stated above, the Penalty APR will apply until you make six consecutive minimum payments when due. 
How to Avoid Paying Interest  
on Purchases  To avoid an additional interest charge on the balance of purchases and balance transfers, you must pay the entire balance on the billing statement by the payment due date of that statement or 25 days from the statement closing date listed on that statement, whichever is longer. You will be charged interest on ca sh advances beginning on the transaction date. 
Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00 . 
For Credit Card Tips from  
the Consumer Financial  
Protection Bureau  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  
https://www.consumerfinance.gov/learnmore/  
Fees   
Annual Fee  None.  
Transaction Fees  
� Foreign Transaction  
� Balance Transfer  
� Cash Advance  � None.  
� 3% of the amount of each transfer. 
� Either $10 or 3%  of the amount of each cash advance, whichever is greater.  
Penalty Fees  
� Late Payment  
� Return Payment  
� Over Limit  � Up to $27.  
� Up to $27.  
� None.  
The information about the costs of the card described in this disclosure is accurate as of June 15, 2021. This information ma y have changed after that date. To find out what may have changed, call us at 800 -328-1935 or write to us at Alliant Credit Union, 11545 W. Touhy Avenue, Chicago, IL 60666.  
How Alliant Calculates Your Balance:  Alliant uses a method called Average Daily Balance , which includes new purchases, cash advances, and balance transfers. See the Finance Charges  section in the Alliant Cashback Visa Signature Card Agreement for details. 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights section of the Alliant Cashback Visa Signature Card Agreement.  
Your Annual Percentage Rate (APR) may vary quarterly and is based on the Prime Rate. Your APR  is determined by adding a margin of: 8.99%-18.99% on purchases and balance transfers, 16.99% -20.99% on cash advances, and 21.99% on Penalty APR to the Prime Rate for the Alliant Cashback Visa Signature Card. The Prime Rate Index used to determine your APR  is the highest rate published in The Wall Street Journal  during the last business day of the previous calendar quarter (March, June, September and December), and changes are effective as of the first day of your next billing cycle. Any increase in the prime rate may increase your interest and minimum payment. (See the Alliant Cashback Visa Signature Card Agreement for complete details.) 
Introductory rate and incentive offers, incl uding cash back, are not available to those members who had an 
outstanding balance on a closed Alliant Visa credit card account and/or had an Alliant Visa credit card within the last 
six months. If you are in an introductory rate promotion period, you are not eligible to transfer Visa accounts until the 
introductory rate promotion has expired.  
ALLIANT CASHBACK VISA� SIGNATURE CARD PROGRAM SUMMARY  
Alliant Cashback Visa Signature Card Agreement Summary:  Your APR is based on meeting Alliant Credit Union�s cri teria for creditworthiness. Alliant will review your credit and employment history and any other information permitted by law to process your application. The credit line on this account will be determined after a review of your application by Alliant an d will be based on various factors, including income. Alliant maintains the right to not open this account if: a) the informati on provided is incomplete, inaccurate or cannot be verified, or if you do not meet Alliant�s standards for creditworthiness; b) you r name and/or mailing address on the credit application have been altered; c) the income you reported on the application is insufficient to support the opening of this account; or d) you do not meet Alliant membership eligibility requirements. You have the right to review your credit history by contacting the credit reporting agencies.  
Change in APRs, Fees and Other Terms:  Alliant may change the APRs, fees and other terms of your account at any time in accordance with applicable law, the Alliant Cashback Vi sa Signature Card Agreement and the Alliant Cashback Visa Signature Card Program Terms & Conditions (Program) available at 
www.alliantcreditunion.org/bank/visa -signature-card . 
  
P390.1-R01/22   Factors we may consider for determining whether and how to change your terms include, but are not limited to, a late payment or an extension of credit that exceeds the credit limit, the frequency and severity of defaults and other indications  of risk on accounts with Alliant Credit Union and other creditors. To the extent allowed by law, the new terms will affect all outstanding balances. If we increase your APRs  for any reason other than an increase in the Prime Rate, the new APRs  will apply only to new transactions you make after we notify you of the change in writing.   
Minimum Payments:  The minimum monthly payment is 3% of your balance, or $25, whichever is greater, plus the amount of any prior minimum payments that you have not made. See the Alliant Cas hback Visa Signature Card Agreement for complete details. Alliant will also add any past due amount to your minimum payment. If your account charges off, the entire balance i s due immediately. 
Transferability: This offer is nontransferable and is void to r esidents of GU, PR, VI and all other U.S. dependent areas.  
Alliant Cashback Visa Signature Card Program Terms and Conditions Summary:  Eligible Alliant Cashback Visa Signature accounts that qualify for Tier One Rewards earn 2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle, and unlimited 1.5% cash back on all other qualifying eligible purchases per bi lling cycle. Accounts that do not qualify for Tier One Rewards will receive Tier Two Rewards, 1.5% cash back on all qualifying eligible purchases per billing cycle. To qualify for Tier One Rewards, primary cardholder must meet the minimum requirements for an Alliant High -Rate Checking account for each month of the preceding calendar quarter AND maintain an average daily balance of $1,000 or more in their Alliant High-Rate Checking account during the preceding calendar quarter (for example, to receive 2.5% c ash back on your first $10,000 of monthly qualifying eligible purchases and 1.5% cash back on your monthly qualifying eligible purchases above $10,000 for January, February and March of a given year, the primary cardholder must meet the requirements for an Alliant High-Rate Checking account and maintain an average daily balance of $1,000 or more in the preceding calendar quarter, comprising October, November and December). Eligibility will be determined on a quarterly basis and be based upon the four calend ar quarters of each year, segmented as: January through March, April through June, July through September, and October through December. Alliant High -Rate Checking requirements include having an Alliant checking account, opting to receive free eStatements,  and having at least one electronic deposit posted to the account each calendar month (direct deposit, ATM deposit, mobile check deposit or transfer from another financial institution). A lliant High- Rate Checking account qualifications met prior to opening  an Alliant Cashback Visa Signature account will not apply towards Tier One Rewards qualifications. Cash back is not eligible on finance charges, fees, cash advances (including purchase of crypto currency and foreign currency), convenience checks, Debt Pro tection charges, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions, Interlink processed transactions, purchases of and any fees paid  toward gift cards, pre-paid cards, reloadable cards, or payments made for payment  instruments that can readily be converted to cash (for example, travelers� cheques, money orders, wire transfers, lottery tickets, casino gaming chips, off -track betting, wagers) or impermissible purchases such as purchases made for business purposes. Cash back in this Program may not be used with any other offer, promotion or discount; cannot be earned from, transferred to or combined with any other member�s credit card or debit card account(s) points for redemption; and cannot be used to satisfy any mini mum monthly payment obligation on the cardholder�s account. Cash back can be redeemed at a minimum of $50 per redemption transaction. The full terms and conditions of the Alliant Cashback Visa Signature Card Program can be located online at 
www.alliantcreditunion.org/bank/visa -signature-card  and will also be enclosed with your card.  
Military Lending Act (MLA): Important Information for Covered Borrowers under the Military L ending Act, Effective October 3, 2017 � Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and hi s or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or  accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1 -844-228-3303. 
California Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms  of your credit obligations. Married applicants may apply for credit separately.  
New York and Vermont Residents:  Alliant Credit Union may obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not lim ited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York reside nts may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rate s, fees and grace periods. New York State Department of Financial Services: 1 -877-226-5697 or 
http://www.dfs.ny.gov . 
Ohio Residents:  Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy members and that credit reporting agencies maintain separate credit histories on indiv iduals upon request. The Ohio Civil Rights Commission administers these laws. 
Massachusetts Residents:  You have the right to prohibit the use of information about you contained in your file with any consumer reporting agency in connection with any credit t ransactions that you have not initiated. You can exercise this right by contacting consumer reporting agencies through their toll -free notification systems established for this purpose.  
Married Wisconsin Residents:  Wisconsin law provides that no agreement,  court order or individual statement applying to marital property will adversely affect a creditor�s interest unless prior to the time credit is granted, the creditor is furn ished with a copy of the agreement, statement or court order, or has actual knowle dge of the provision. 
Visa is a registered trademark of Visa International Service Association.  P390.1-R01/22