APPLICATION AND
SOLICITATION
DISCLOSURE

Metro  Rewards/Metro Saver/Metro Builder

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Metro Rewards
12.74% 13.99% 15.49% 18.00%
open your account, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

, when you

or

,

,

Metro Saver
9.99% 11.49% 12.99% 15.99%
,
open your account, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.

, when you

or

,

Metro Builder
15.99%

APR for Balance Transfers

Metro Rewards
7.99%

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
,
your creditworthiness. This APR will vary with the market based on the
Prime Rate.

12.74% 13.99% 15.49% 18.00%

 or

,

, based on

Metro Saver
7.99%

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
,
your creditworthiness. This APR will vary with the market based on the
Prime Rate.

9.99% 11.49% 12.99% 15.99%

 or

,

, based on

APR for Cash Advances

Metro Builder
15.99%

Metro Rewards
17.99%

Metro Saver
17.99%

Metro Builder
15.99%

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
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.
If you are charged interest, the charge will be no less than $0.50.
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

02006646-MXC10-P-1-042222 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

 
Fees
Annual Fee
- Annual Fee - Metro Builder

Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

$69.00

$0.95
1.00% of each transaction in U.S. dollars

Up to $10.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."

Promotional Period for Introductory APR - Metro Rewards, Metro Saver:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 120 days
following the opening of your account. Any existing balances on Metro Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days
late in making a payment.

Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.

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.

June 17, 2022

For California Borrowers, the Metro Rewards, Metro Saver and Metro Builder 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.

Other Fees & Disclosures:
Late Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a
payment.

Annual Fee - Metro Builder:
$69.00.

Cash Advance Fee (Finance Charge):
$0.95.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$10.00.

Emergency Card Replacement Fee:
$20.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02006646-MXC10-P-1-042222 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$20.00.

Statement Copy Fee:
$5.00.

Copy of Sales Draft Fee:
$2.00.

Original Sales Draft Fee:
$6.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02006646-MXC10-P-1-042222 (MXC102-E)