APPLICATION AND 
SOLICITATION 
DISCLOSURE   

SECURED MASTERCARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases  

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Balance Transfer Fee  
- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Returned Payment Fee  

15.90% 

15.90% 

15.90% 

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. 

None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)." 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: October 29, 2019 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Secured Mastercard is a secured credit card. 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. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant 
us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, 
you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered 
borrower; or (ii) you cease to be a covered borrower.  

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
03700572-MXC10-P-2-102419 (MXC101-E 

 
 
 
  
  
 
 
   
 
 
 
 
   
  
 
 
 
   
 
  
   
         
   
           
       
     
 
 
  
 
 
  
      
 
 
  
  
  
 
 
     
 
 
 
 
 
 
 
Card Replacement Fee: 
$7.00.  

Document Copy Fee: 
$5.00.  

Pay-by-Phone Fee: 
$10.00.  

Rush Fee: 
$30.00. 

Statement Copy Fee: 
$5.00.  

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03700572-MXC10-P-2-102419 (MXC101-E)