Visa Credit Card  Application Disclosures  
P.O. Box 9002 West Jordan, UT 84084 Phone:  (801) 260-7600 Toll Free:  (800) 929-7787 
www.cypruscu.com  
 
� 2021 Farleigh Wada Witt. All Rights Reserved.    CC App � 1-9-21 
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage  
Rate (APR) for  
Purchases and Balance Trans-
fers  Visa Platinum, Visa Platinum Rewards, Visa 
Cash Back Rewards  Visa Share Secured 
Visa Platinum:  
    6.99 % - 18.00 %  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Platinum Rewards:  
  9.49 % - 18.00 %  based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Platinum Cash Back Rewards:  
 12.49 % -   18.00 %  
based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate.      6.99 %  This APR will vary with the market based on the Prime Rate. 
Annual Percentage  
Rate (APR) for Cash Advances      17.99  % 
Paying Interest  Your due date is at least 25 days af ter the close of each billing cycle. We will 
not charge any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash ad-vances and balance transfers on the transaction date.  
Minimum I nterest Charge  None  
For Credit Card Tips from the 
Consumer Financial Protection  
Bureau  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  
Annual Fee  None  
Transaction Fees  
� Cash Advance Fee 
� Balance Transfer Fee   
None None 
Penalty Fees  
� Late Payment Fee  
Up to $29 
 
How We Will Calculate Your Balance:  We use a method called �average daily balance� (includin g new purchases). See your account agreement for further details.  The above rat es and fees are effective as of    07/01/2021 .