Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

LIGHTNING CREDIT CARD 
WORLD MASTERCARD/MASTERCARD 
MASTERCARD SECURED 

SEFCU Lightning Credit Card
 to 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

, when you open your account, based on your 

SEFCU World Mastercard 

This APR will vary with the market based on the Prime Rate. 

SEFCU Mastercard

 to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

SEFCU Mastercard Secured 

This APR will vary with the market based on the Prime Rate. 

SEFCU Lightning Credit Card

 to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

SEFCU World Mastercard 

This APR will vary with the market based on the Prime Rate. 

SEFCU Mastercard
 to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

SEFCU Mastercard Secured 

This APR will vary with the market based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03100017-MXC10-C-1-112017 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

12.74%17.74%10.74%9.74%17.74%7.75%12.74%17.74%10.74%9.74%17.74%7.75%APR for Cash Advances 

SEFCU Lightning Credit Card 

to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

SEFCU World Mastercard 

This APR will vary with the market based on the Prime Rate. 

SEFCU Mastercard 
to 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

SEFCU Mastercard Secured 

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it Applies 

None 

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. 

Fees 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

None 
None 
None 

Up to $25.00 
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: 
This information may have changed after that date. To find out what may have changed, contact the credit union. 

. 

For  California  Borrowers,  the  SEFCU  Lightning  Credit  Card,  SEFCU  World  Mastercard,  SEFCU  Mastercard  and 
SEFCU Mastercard 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.  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 5.00% of the amount of the required minimum payment, whichever is less if you are 15 or 
more days late in making a payment. 

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. 

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03100017-MXC10-C-1-112017 (MXC101-E) 

14.74%17.99%12.74%11.74%17.99%9.75%January 1, 2020