CommunityAmerica Credit Union PO Box 15950 Lenexa, KS 66285-5950 800.892.7957 CACU.com 
 
 
IMPORTANT CREDIT CARD DISCLOSURES 
 
 
The following disclosure represents important details concerning your credit card. The information about costs of the card ar e accurate as of 01/21/16  . 
You can contact us toll free at 800.892.7957 or the address above to inquire if any changes occurred since the effective  date. 
 
INTEREST RATES and INTEREST  CHARGES:  
 
 
Annual Percentage Rate (APR) for Purchases & Balance Transfers CommunityAmerica 
Visa Platinum  CommunityAmerica 
Visa Platinum Cash  Back  CommunityAmerica 
Visa Platinum  Rewards  
10.49%, 12.49%, 16.49%, 21.49%, or 22.49% 
 
 
 
 
depending on your credit history. This APR will vary with the market based on the Prime Rate. 13.49%, 15.49% or 20.49% 
 
 
 
 
 
depending on your credit history. This APR will vary with the market based on the Prime Rate. 12.49%, 14.49% or 19.49% 
 
 
 
 
 
depending on your credit history. This APR will vary with the market based on the Prime Rate. 
APR for Cash  Advances  10.49%, 12.49%,  16.49%,  
21.49%, or 22.49% 
depending on your credit history. This APR will vary with the 
market based on the Prime Rate.  13.49%, 15.49% or  20.49%  
 
depending on your credit history. This APR will vary with the 
market based on the Prime Rate.  12.49%, 14.49% or  19.49%  
 
depending on your credit history. This APR will vary with the market 
based on the Prime Rate.  
Paying Interest  Your due date is at least 21 days after we mail your billing statement. We will not charge you interest  on purchases if you pay your entire new purchase balance by the due date each month. We will  begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. 
Minimum Interest 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:  
Fees to Open or Maintain your Account - Annual Fee: - Application Fee:  
None None 
Transaction Fees  
3% of the amount of each transfer or $5.00, whichever is greater  (maximum: $75.00 ) - Balance  Transfer:  
- Cash  Advance:  3% of the amount of each cash advance or $5.00, whichever is greater (maximum: $75.00 ) 
- Foreign  Transaction:  1% of each transaction in U.S. dollars  
1% of each transaction made in currencies other than U.S.  dollars  
Penalty Fees  
up to $35.00  - Late Payment:  
- Over -the-Credit Limit:  None  
- Returned Payment:  None  
How We Will Calculate Your Balance: We use a method called "average daily balance (including new  purchases)."  
 
9009 LASER ML FPDF FI16599 Rev  11-2015 COPYRIGHT 2009 Securian Financial Group, Inc. All rights  reserved.