Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE

F1

Visa Platinum 

F2             
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F3             
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

F4             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F5             
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F6             
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

F7             
This APR will vary with the market based on the Prime Rate. 
Visa Platinum 

F8             
This APR will vary with the market based on the Prime Rate. 

Visa Classic 

F9             
This APR will vary with the market based on the Prime Rate. 

Student Visa Platinum 

F10           
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. 

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCTDU3 (MXC402 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F11           of the amount of each cash advance 
F12           of each transaction in U.S. dollars 

Up to F13            
Up to F14           

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 F15            
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 
Document Copy Fee 
Card Replacement Fee 
Pre-Authorized Recurring Payment Cancellation Fee 

F16           or the amount of the required minimum payment, 
whichever is less, if payment is not received by 5:00 PM Eastern 
time on the date it is due. 
F17           or the amount of the required minimum payment, 
whichever is less. 
F18           
F19           
F20           
F21           

DCTDU3 (MXC402 CCM002)-e