Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE  

RATE PREFERRED MASTERCARD LEVEL I 
RATE PREFERRED MASTERCARD LEVEL II 
RATE PREFERRED MASTERCARD LEVEL III 

Rate Preferred Mastercard Level I 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.65%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Mastercard Level II 
7.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 11.65%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Mastercard Level III 
10.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.50%. This APR will vary with the market 
based on the Prime Rate. 

APR for Balance Transfers 

Rate Preferred Mastercard Level I 
7.90% 

Rate Preferred Mastercard Level II 
9.90% 

Rate Preferred Mastercard Level III 
10.75% 

APR for Cash Advances 

Rate Preferred Mastercard Level I 
5.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 8.65%. This APR will vary with the market based 
on the Prime Rate. 

Rate Preferred Mastercard Level II 
7.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 11.65%. This APR will vary with the market 
based on the Prime Rate. 

Rate Preferred Mastercard Level III 
10.90% Introductory APR for a period of six billing cycles. 

After that, your APR will be 12.50%. This APR will vary with the market 
based on the Prime Rate. 

SEE NEXT PAGE for more important information about your account. 
04200068-MXC10-C-1-070521 (MXC102-E) 

 
  
  
 
 
   
 
 
 
 
   
 
 
 
 
 
   
 
  
 
 
 
 
   
 
 
  
 
 
 
 
   
 
  
  
 
  
 
   
       
 
 
 
 
 
 
 
  
        
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: September 8, 2021 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Rate Preferred Mastercard Level I, Rate Preferred Mastercard Level II, Rate 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.  

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 Copy Fee: 
$2.00.  

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04200068-MXC10-C-1-070521 (MXC102-E)