Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

Visa Rate Platinum 

F1           to F2           when you open your account, based 
on your creditworthiness. 

Visa Reward Platinum/MasterCard Reward Platinum 

F3           to F4           when you open your account, based 
on your creditworthiness. 
Visa Rate Platinum 

F5           to F6           when you open your account, based on your 
creditworthiness. 

Visa Reward Platinum/MasterCard Reward Platinum 

F7           to F8           when you open your account, based on your 
creditworthiness. 
Visa Rate Platinum 

F9           to F10         when you open your account, based on your 
creditworthiness. 

Visa Reward Platinum/MasterCard Reward Platinum 

F11         to F12         when you open your account, based on your 
creditworthiness. 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee-Visa 

-  Foreign Transaction Fee-MasterCard 

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. 

F13           

F14           
F15           
F16         of each multiple currency transaction in U.S. dollars 
F17         of each single currency transaction in U.S. dollars 
F18         of each transaction in U.S. dollars completed outside the U.S. 
F19         of each transaction in U.S. dollars completed in a foreign 
currency 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Up to F20            
Up to F21           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04502957-MXC40-P-1-102014 (MXC402 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 F22                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

F23         or the amount of the required minimum payment, whichever 
is less, if you are three (3) or more days late in making a payment. 
F24         or the amount of the required minimum payment, whichever 
is less. 
F25         or the amount of the returned convenience check, whichever 
is less. 
F26           
F27           
F28           

04502957-MXC40-P-1-102014 (MXC402 CCM002)-e