CREDIT CARD
APPLICATION

There are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this
, International at 00800.4728.2000 or writing to us at the address stated on this application.
application or by calling us toll-free at

(800) 936-7730

Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.

Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if

1.
2.
3.

you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)
your spouse will use the account, or
you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate
maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.

Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant
box.

Credit Card Account:

 Individual

 Joint

Card Type:

Share Secured VISA

VISA Classic

VISA Gold

VISA Platinum

 Credit Limit Requested $

If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):

Applicant

X

AUTHORIZED USER

Date

Co-Applicant

(Seal)

X

Date

(Seal)

Please check this box if you would like an additional card issued to a household or family member. The use of this card is governed by the
cardholder agreement.

The name of the authorized user as you would like it to appear on the card (a maximum of 25 characters and spaces).

NAME (Last - First - Initial)

PRESENT ADDRESS (Street – City – State – Zip)

BIRTH DATE (MM/DD/YY)

SOCIAL SECURITY NUMBER

PAYMENT PROTECTION
If you answer "yes", the credit union will disclose the cost to protect your loan. The protection is voluntary and does not affect your loan approval. In
order for your loan to be covered, you will need to sign a separate application that explains the terms and conditions.

Are you interested in having your loan protected?

 YES

NO

APPLICANT
NAME (Last - First - Initial)

Guarantors Complete OTHER section below.
OTHER
NAME (Last - First - Initial)

CO-APPLICANT

SPOUSE

GUARANTOR

OTHER

ACCOUNT NUMBER

SOCIAL SECURITY NUMBER

ACCOUNT NUMBER

SOCIAL SECURITY NUMBER

BIRTH DATE

EMAIL ADDRESS

BIRTH DATE

EMAIL ADDRESS

HOME PHONE

CELL PHONE

BUSINESS PHONE/EXT.

HOME PHONE

CELL PHONE

BUSINESS PHONE/EXT.

DRIVER’S LICENSE NUMBER/STATE

AGES OF DEPENDENTS

DRIVER’S LICENSE NUMBER/STATE

AGES OF DEPENDENTS

PRESENT ADDRESS (Street – City – State – Zip)

OWN

RENT

PRESENT ADDRESS (Street – City – State – Zip)

OWN

RENT

LENGTH AT RESIDENCE

LENGTH AT RESIDENCE

PREVIOUS ADDRESS (Street – City – State – Zip)

OWN

RENT

PREVIOUS ADDRESS (Street – City – State – Zip)

OWN

RENT

LENGTH AT RESIDENCE

LENGTH AT RESIDENCE

MORTGAGE/RENT OWED TO

MORTGAGE/RENT OWED TO

MORTGAGE BALANCE
$
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:

MONTHLY PAYMENT
$

INTEREST RATE

%

MORTGAGE BALANCE
$
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:

MONTHLY PAYMENT
$

INTEREST RATE

%

MARRIED

SEPARATED

UNMARRIED (Single - Divorced - Widowed)

MARRIED

SEPARATED

UNMARRIED (Single - Divorced - Widowed)

EMPLOYMENT/INCOME
FULL TIME
EMPLOYMENT STATUS

PART TIME

EMPLOYMENT/INCOME
FULL TIME
EMPLOYMENT STATUS

PART TIME

HIRE/ENLISTMENT DATE:

MILITARY ETS DATE:

HIRE/ENLISTMENT DATE:

MILITARY ETS DATE:

© CUNA Mutual Group 2016 All Rights Reserved

FM 25-18ae 4/18

02800392-AXX00-C-1-032317 (AXX001-E)

NAME AND ADDRESS OF EMPLOYER

NAME AND ADDRESS OF EMPLOYER

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.

EMPLOYMENT INCOME
$

PER

TITLE/GRADE

OTHER INCOME
$

SOURCE

PER

EMPLOYMENT INCOME
$
TITLE/GRADE

PER

OTHER INCOME
$

SOURCE

PER

MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?

YES

 NO MILITARY: IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR?

YES

NO

WHERE

ENDING/SEPARATION DATE

WHERE

ENDING/SEPARATION DATE

STATE LAW NOTICE(S)
Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any
misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial
accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for
any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must
be in writing to be effective.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing
of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,
and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.

Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under
Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or
has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan
with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

Signature for Wisconsin Residents Only

X

Date

(Seal)

CONSENSUAL SECURITY INTEREST
You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure
your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law
if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares
unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,
if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.
By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition
for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any
periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your
pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;
or (ii) you cease to be a covered borrower.

Security Interest Acknowledgement and Agreement

Date

Security Interest Acknowledgement and Agreement

Date

X

(Seal)

X

(Seal)

SIGNATURES
By signing or otherwise authenticating below:
1.

You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will
notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any
update, increase, renewal, extension, or collection of the credit received. You authorize the Credit Union to use the credit report information
obtained to offer you alternative solutions on your existing debts. You understand that the Credit Union will rely on the information in this
application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from
which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card
Agreement and Disclosure.

2.

Applicant’s Signature

Date

Other Signature

X

(Seal)

X

Date

(Seal)

CREDIT UNION USE ONLY
DATE

APPROVED

CREDIT LIMIT
$

DECLINED

FM 25-18ae 4/18

02800392-AXX00-C-1-032317 (AXX001-E)

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.24% 14.99%
 to

, based on your

Visa Gold
1.90%

 Introductory APR for a period of nine billing cycles.

10.74% 
After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

15.49%

, based on your

to

Visa Classic
1.90%

 Introductory APR for a period of nine billing cycles.

11.40% 
After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

16.49%

, based on your

to

APR for Balance Transfers

Visa Platinum
1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be 10.24% to
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, based on your

14.99%

Visa Gold

1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

10.74% 

15.49%

to

Visa Classic
1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

11.40% 

16.49%

to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

FM 25-18ae 4/18

SEE NEXT PAGE for more important information about your account.

02800392-MXC10-C-1-113017 (MXC101-E)

APR for Cash Advances

Visa Platinum
1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime 
Rate.

, based on your

14.99%

10.24%

to

Visa Gold

1.90%

Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.74% 15.49%
to

, based on your

Visa Classic
1.90%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.40% 16.49%
to

, based on your

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

1.00% of the amount of each balance transfer
1.00% of the amount of each cash advance
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $20.00
Up to $20.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers and cash advances
will apply to transactions posted to your account during the first three billing cycles following the establishment of your
credit line. When the Promotional Period ends, the standard variable APR will apply for any new balances. Any existing
balances on  loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

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.

April 1, 2018.

For California Borrowers, the Visa Platinum, Visa Gold and Visa Classic 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02800392-MXC10-C-1-113017 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

FM 25-18ae 4/18

Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a
payment.

Balance Transfer Fee (Finance Charge):
1.00% of each balance transfer. However, this fee is waived on all transactions posted during the promotional period.

Cash Advance Fee (Finance Charge):
1.00% of each cash advance. However, this fee is waived on all transactions posted during the promotional period.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$9.00.

Document Copy Fee:
$15.00.

Emergency Card Replacement Fee:
$62.00.

Rush Fee:
$62.00.

Statement Copy Fee:
$2.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

FM 25-18ae 4/18

02800392-MXC10-C-1-113017 (MXC101-E)