Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE   

REWARDS PREFERRED MASTERCARD LEVEL I 
REWARDS PREFERRED MASTERCARD LEVEL II 
REWARDS PREFERRED MASTERCARD LEVEL III 

Rewards Preferred Mastercard Level I 
2.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 9.90%. This APR will vary with the market 
based on the Prime Rate. 

Rewards Preferred Mastercard Level II 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.90%. This APR will vary with the market 
based on the Prime Rate. 

Rewards Preferred Mastercard Level III 
8.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 15.50%. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers 

Rewards Preferred Mastercard Level I 
5.90% 

Rewards Preferred Mastercard Level II 
8.90% 

Rewards Preferred Mastercard Level III 
11.90% 

APR for Cash Advances 

Rewards Preferred Mastercard Level I 
2.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 9.90%. This APR will vary with the market based 
on the Prime Rate. 

Rewards Preferred Mastercard Level II 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.90%. This APR will vary with the market 
based on the Prime Rate. 

Rewards Preferred Mastercard Level III 
8.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 15.50%. This APR will vary with the market 
based on the Prime Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
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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 
- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Over-the-Credit Limit Fee  
- Returned Payment Fee  

1.10% of each transaction in U.S. dollars 

Up to $25.00 
None 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Loss of Introductory APR: 
We may end your Introductory APR for purchases and cash advances and apply the prevailing non-introductory APR if 
you are 60 days late in making a payment.  

Effective Date: 
The information about the costs of the card described in this application is accurate as of: December 4, 2017. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Rewards Preferred Mastercard Level I, Rewards Preferred Mastercard Level II and 
Rewards Preferred Mastercard Level III 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. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

Rush Fee: 
$25.00 overnight. 

Statement Re-Print Fee: 
$2.00.  

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04200068-MXC10-C-2-112717 (MXC101-E)