Interest Rates and Interest Charges

VISA PLATINUM / VISA SECURED
APPLICATION AND SOLICITATION DISCLOSURE

Annual Percentage Rate (APR) for
Purchases

Visa Platinum

 8.99%

15.49%

 9.95%

10.49%

12.95%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

Visa Secured

 8.99%

15.49%

 9.95%

10.49%

12.95%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

APR for Balance Transfers

Visa Platinum

 8.99%  9.95%

10.49%

12.95%

15.49%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

Visa Secured

 8.99%  9.95%

10.49%

12.95%

15.49%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

APR for Cash Advances

Visa Platinum

 8.99%  9.95%

10.49%

12.95%

15.49%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

Visa Secured

 8.99%  9.95%

10.49%

12.95%

15.49%

or

17.95%

w hen you open your account , based on your credit w ort hiness.

How To Avoid Paying Interest on
Purchases

Your due dat e is at least 25 days af t er t he close of each billing cycle.
We w ill not charge you any int erest on purchases if you pay your ent ire
balance by t he due date each mont h.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider w hen applying for or using a
credit card, visit
the Consumer Financial Protection
Bureau at http://w w w .consumerfinance.gov/learnmore.

the w ebsite of

Fees
Annual Fee

- A nnual Fee - Visa Plat inum
- A nnual Fee - Visa Secured

Transaction Fees

None
$25.00

annually

- Foreign Transact ion Fee

$1.00

of each t ransact ion in U.S. dollars

Penalty Fees

- Lat e Payment Fee
- Ret urned Payment Fee

Up t o
Up t o

$15.00
$15.00

CUNA Mut ual Group 2009 All Right s Reserved

DNYLX4 (MXC402 CCM002)-e

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
How We Will Calculate Your Balance. We use a met hod called " average daily balance (including new
purchases)."

Effective Date.
The inf ormation about t he cost s of t he card described in t his application is accurat e as of
This inf ormat ion may have changed af ter t hat date. To f ind out w hat may have changed, cont act the Credit
Union.

January 1, 2013

OTHER DISCLOSURES

Lat e Payment Fee

Ret urned Payment Fee

St atement Copy Fee
Rush Fee
Emergency Card Replacement Fee

$ 15.00

$ 15.00

$  1.00
$ 40.00
$150.00

or t he amount of t he required minimum payment , w hichever
is less,
if you are one (1) or more days lat e in making a
payment.
or t he amount of t he required minimum payment , w hichever
is less.

CUNA Mut ual Group 2009 All Right s Reserved

DNYLX4 (MXC402 CCM002)-e