Interest Rates and Interest Charges 
Annual  Percentage  Rate (APR) for 
Purchases 

APR for  Balance  Transfers 

APR for  Cash  Advances 

PLATINUM  MASTERCARD/PLATINUM  MASTERCARD REWARDS 
APPLICATION  AND SOLICITATION DISCLOSURE 

to  17.90% 

when you open your account,

Platinum  MasterCard 
7.90% 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Platinum  MasterCard  Rewards 
to  17.90% 
9.90% 
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 
Platinum  MasterCard 

when you open your account,

Your APR will be 9.90% to  17.90% based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Platinum  MasterCard  Rewards 

Your APR will be 11.90% to  17.90% based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Platinum  MasterCard 
9.90% 
to  17.90%   when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Platinum  MasterCard  Rewards 
11.90%   to  17.90%   when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

How  to  Avoid  Paying  Interest  on  Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum  Interest  Charge 

For  Credit  Card  Tips  from  the  Consumer 
Financial  Protection Bureau 

Fees 
Transaction  Fees 
- Foreign Transaction Fee

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 $2.00. 
The minimum interest charge will be charged on any dollar amount. 
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. 

2.00%   of each transaction in U.S. dollars completed outside the U.S. 
2.00%   of each transaction in U.S. dollars completed in a foreign 
currency 

Penalty  Fees 
- Late Payment Fee
- Returned Payment Fee

Up to $25.00 
Up to $25.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

How We Will  Calculate  Your  Balance.  We use a method called “average daily balance (including new purchases).” 

Effective  Date. 
The information about the costs of the card described in this application is accurate as of January 1, 2015. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Research Fee 

$25.00  or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 
$25.00  or the amount of the required minimum payment, whichever is 
less. 
$5.00 
$35.00 
Up to $200.00  
$25.00  per hour 

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