Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE 

F1          , F2          , or F3    
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate. 
 Introductory APR until F5 
F4  

 when you open your 

 . 

After that your APR will be F6          , F7          , or F8         , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F9          , F10        , or F11  
 when you open your account, based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F12    

This APR may be applied to your account if you: 

-  Make a late payment 
-  Make a payment that is returned 

How Long Will the Penalty APR Apply? If your APRs are increased 
for these reasons, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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 
-  Balance Transfer Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

 or F14  

 of the amount of each balance transfer, whichever 

 of each transaction in U.S. dollars 

F13    
is greater 
F15    

Up to F16   
Up to F17   

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F18                       , until F19                      .  

Loss of Introductory  APR: We may end your Introductory APR for balance transfers and apply the Penalty APR if you 
are 60 days late in making a payment.  If  your APRs  are increased for this reason, the Penalty  APR  will apply until  you 
make six (6) consecutive minimum payments when due 

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment or make a payment that is returned. If your APRs are increased for this reason, the Penalty APR will apply until 
you make six (6) consecutive minimum payments when due. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F20                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

02105204-MXC40-P-5-121516 (MXC403 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

OTHER DISCLOSURES 

Balance Transfer Fee 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F21        or F22        of the amount of each balance transfer, whichever 
is greater. The fee will be waived on all balance transfers posted at the 
non-introductory APR. 
Up to F23        or the amount of the required minimum payment, 
whichever is less, if your payment is has not been received by the third 
calendar day of the month following the date that your payment is due. 
Up to F24        or the amount of the required minimum payment, 
whichever is less. 
F25           
F26           
F27           

02105204-MXC40-P-5-121516 (MXC403 CCM003)-e