This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Additional Card 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 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 
F5             

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 
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. We will begin charging interest on 
balance transfers and cash advances on the transaction date.  
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. 

F6             
F7             
F8             
F9             

Either F10        or F11        of the amount of each balance transfer, 
whichever is greater 
F12           
F13        of each transaction in U.S. dollars 
F14           

Up to F15            
F16           
Up to F17           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details.  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Rush Fee 
PIN Replacement Fee  
Card Replacement Fee 
Unreturned Card Fee 
Pay-by-Phone Fee 

F18        or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
F19           or the amount of the required minimum payment, whichever 
is less. 
F20           
F21           
F22        2 day 
F23        next day 
F24           
F25           
F26           
F27         if conducted through Contact Center 

Collection  Costs:  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

Periodic Rates: 
The Purchase APR is F28         which is a daily periodic rate of F29         . 
The Balance Transfer APR is F30         which is a daily periodic rate of F31         . 
The Cash Advance APR is F32         which is a daily periodic rate of F33         . 
The Penalty Rate APR is F34         which is a daily periodic rate of F35         . 

Variable Rate: 
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  on  the  first  day  of  the  billing  cycle  to  reflect  any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of  The Wall Street 
Journal on the second Tuesday of each calendar quarter; January, April, July & October, to which we add a margin. The 
ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE 
will take the form of additional payments shown as Total Minimum Payments on the statement.  If the Index is no longer 
available, the Credit Union will choose a new index which is based upon comparable information. 

Margin: 
Purchases will be charged at F36         above the Index. 
Balance Transfers will be charged at F37         above the Index. 
Cash Advances will be charged at F38         above the Index. 

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