Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Visa Platinum 

F2          to F3          when you open your account, based 
on your creditworthiness. 

Visa Platinum Rewards 
F4          to F5          when you open your account, based 
on your creditworthiness. 
Visa Platinum 

F6          Introductory APR, for qualifying members, for a period of 12 
billing cycles, based on your creditworthiness.  

After that your APR will be F7          to F8          , based on your 
creditworthiness.  

Visa Platinum Rewards 

F9          Introductory APR, for qualifying members, for a period of 12 
billing cycles, based on your creditworthiness.  

After that your APR will be F10        to F11        , based on your 
creditworthiness. 
Visa Platinum 

F12        to F13        when you open your account, based on your 
creditworthiness. 

Visa Platinum Rewards 

F14        to F15        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. 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
F16           
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 
Annual Fee 
-  Annual 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 

F17           

F18           
F19           
F20        of each foreign transaction in U.S. dollars 
F21           

Up to F22            
F23           
Up to F24           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DWIHC6 (MXC403 CCM003)-e 

SEE BACK OF PAGE for more important information about your account. 

9.90%17.90%11.90%19.90%6.90%9.90%17.90%6.90%VISA PLATINUM/VISA PLATINUM REWARDS11.90%19.90%9.90%17.90%11.90%19.90%NoneNoneNone$3.001.00%None$25.00None$25.00 
 
 
 
 
 
 
 
 
 
Effective Date:  
The information about the costs of the card described in this application is accurate as of F25                          .  
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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

F26        or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 
F27        or the amount of the required minimum payment, whichever is 
less. 
F28           
F29           
F30           
F31           

Balance  Transfer  Limitations:   If  you  request  balance  transfers,  such  transfers  must  be  in  amount  not  less  than 
$200.00.   The  Introductory  APR  for  Balance  Transfers  will  be  in  effect  for  12  months  from  the  issuance  of  the  balance 
transfer. When the discounted rate expires, the APR on existing balances will increase to the new non-discount rate on 
the first day of the billing cycle after the 12 month period. 

DWIHC6 (MXC403 CCM003)-e 

$25.00$25.00June 1, 2016$5.00$3.00$55.00$5.00