APPLICATION AND 
SOLICITATION DISCLOSURE 

VISA CLASSIC/VISA GOLD/VISA PLATINUM/VISA 
SECURED/ENGAGE REWARDS VISA SIGNATURE 

Visa Classic 

Visa Gold 

Visa Platinum 

Interest Rates and Interest Charges 

Annual 
Percentage 
Rate (APR) 
for 
Purchases 

Fixed 
7.24%  to 13.99% 
Introductory APR, for qualifying 
members, for a period of six 
billing cycles, based on your 
creditworthiness. 

Fixed 
6.24%  to 13.99% 
Introductory APR, for qualifying 
members, for a period of six 
billing cycles, based on your 
creditworthiness. 

Fixed 
5.49%  to 13.74% 
Introductory APR, for qualifying 
members, for a period of six 
billing cycles, based on your 
creditworthiness. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 
11.24% to 17.99% , 
based on your creditworthiness. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 
10.24% to 17.99% , 
based on your creditworthiness. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 
9.49%  to 17.74% , 
based on your creditworthiness. 

Variable 
9.49%  to 17.49% , 
when you open your account, 
based on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate. 

Variable 
9.24%  to 17.49% , 
when you open your account, 
based on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate. 

Variable 
8.99%  to 15.99% , 
when you open your account, 
based on your creditworthiness. 
This APR will vary with the 
market based on the Prime 
Rate. 

Visa 
Secured 
Fixed 
11.49% 

Engage Rewards Visa Signature 

Variable 

10.99% to 17.49% , 
when you open your account, 
based on your creditworthiness. 
This APR will vary with the market 
based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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Visa Classic 

Interest Rates and Interest Charges 

Visa Gold 

Visa Platinum 

APR for 
Balance 
Transfers 

Fixed 
7.24%   to 13.99% 
Introductory APR, for qualifying 
members, for a period of 12 
billing cycles, based on your 
creditworthiness. 

Fixed 
6.24%   to 13.99% 
Introductory APR, for qualifying 
members, for a period of 12 
billing cycles, based on your 
creditworthiness. 

Fixed 
5.49%   to 13.74% 
Introductory APR, for qualifying 
members, for a period of 12 
billing cycles, based on your 
creditworthiness. 

Visa 
Secured 
Fixed 
11.49% 

Engage Rewards Visa Signature 

Variable 

10.99% to 17.49% , when you 
open your account, based on your 
creditworthiness. This APR will 
vary with the market based on the 
Prime Rate. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 11.24% to 
17.99% , based on your 
creditworthiness. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 10.24% to 
17.99% , based on your 
creditworthiness. 

After that, or if you do not 
qualify for an Introductory APR, 
your APR will be 9.49% to 
17.74% , based on your 
creditworthiness. 

Variable 
9.49% to 17.49% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

Variable 
9.24% to 17.49% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

Variable 
8.99% to 15.99% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

APR for 
Cash 
Advances 

Fixed 
11.24% to 17.99% , based on 
your creditworthiness. 

Fixed 
10.24% to 17.99% , based on 
your creditworthiness. 

Fixed 

9.49% to 17.74% , based on 
your creditworthiness. 

Fixed 
11.49% 

Variable 
9.49% to 17.49% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

Variable 
9.24% to 17.49% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

Variable 
8.99% to 15.99% , when you 
open your account, based on 
your creditworthiness. This 
APR will vary with the market 
based on the Prime Rate. 

Variable 

10.99% to 17.49% , when you 
open your account, based on your 
creditworthiness. This APR will 
vary with the market based on the 
Prime Rate. 

How to Avoid Paying Interest on Purchases 

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. 
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. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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Fees 
Set-up and Maintenance Fees 
- Account Set-up Fee 
- Program Fee 
- Participation 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 

None 
None 
None 

None 
None 
None 
None 

Up to $25.00 
None 
Up to $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: January 1, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

Fixed Rate Cards: 
For Visa Classic Fixed Rate, Visa Gold Fixed Rate, Visa Platinum Fixed Rate, and Visa Secured Fixed Rate cards, your 
rate will not change for 12 months from account opening. You will receive notification of any subsequent change in rate as 
required by law. 

For California Borrowers, the Visa Secured card is a secured credit card. 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. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower under the Military Lending  Act  your credit card will be secured  by any  specific  Pledge of Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a 
payment. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Returned Convenience Check Fee: 
$20.00 or the amount of the returned convenience check, whichever is less. 

Card Replacement Fee: 
$5.00. 

Document Copy Fee: 
$1.00 per page. 

PIN Replacement Fee: 
$5.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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Rush Fee: 
$20.00. 

Statement Copy Fee: 
$1.00 per document. 

Courtesy Check Stop Payment: 
$15.00 per check. 

UNIFY Financial Federal Credit Union doing business as UNIFY Financial Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

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