APPLICATION AND 
SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Secured/Student 
F2           Introductory APR for a period of six billing cycles.  

After that your APR will be F3          .  
Visa Secured/Student 
F4           Introductory APR for a period of six billing cycles.  

After that your APR will be F5          .  
Visa Secured/Student 
F6           Introductory APR for a period of six billing cycles.  

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

After that your APR will be F7          .  
F8             

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.  
If you are charged interest, the charge will be no less than F9          .  
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  
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Foreign Transaction Fee 

-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F10           
F11           
F12           
F13           
F14           
F15           

F16           
F17         of each multiple currency transaction in U.S. dollars 
F18         of each single currency transaction in U.S. dollars 
F19           

Up to F20            
Up to F21           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the first six months following the opening of your account.  

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 F22                                
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00902328-MXC40-C-2-081716 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

VISA SECURED/STUDENT5.99%17.99%5.99%17.99%5.99%17.99%None$0.50NoneNoneNoneNoneNoneNoneNone1.00%0.80%None$37.00$27.00August 1, 2016. 
 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER FEES AND DISCLOSURES 

Late Payment Fee 
F23         or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a 
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you 
will be charged F24         or the amount of the required minimum payment, whichever is less. 

Returned Payment Fee 
F25         or the amount of the required minimum payment, whichever is less. 

Rush Fee 
F26           

Emergency Card Replacement Fee 
F27           

Sales Draft Copy Request Fee 
F28           

Original Sales Draft Copy Request Fee 
F29           

F30           

00902328-MXC40-C-2-081716 (MXC403 CCM003)-e 

$27.00$37.00$27.00$15.00$15.00$20.00$12.00