RATEWISE MASTERCARD 

to 

to 

F5          
18.00% 

F3          
18.00% 

F2
8.15% 
when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
when you open your account, based on your 
F4          
8.15% 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
when you open your account, based on your 
F6          
to 
8.15% 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
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. 

F7          
18.00% 

- Cash Advance Fee 

- Foreign Transaction Fee 

- Late Payment Fee 
- Returned Payment Fee 

or 

2.00% 
F9          

$5.00 
F8          
is greater (Maximum Fee: 
1.00% 
F11        

$25.00 
 F10        

) 

of each transaction in U.S. dollars 

of the amount of each cash advance, whichever 

Up to 
Up to 

$25.00 
 F12          
$25.00 
 F13          

How  We  Will  Calculate  Your  Balance. 

average  daily  bal 

The information about the costs of the card described in this application is accurate as of  December 17, 2015. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

 F14            

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Pay-by-Phone Fee 
Card Replacement Fee 
Rush Fee 

$25.00  or the amount of the required minimum payment, whichever 
F15         
is less, if you are one (1) or more days late in making a payment. 
$25.00  or the amount of the required minimum payment, whichever 
F16         
is less. 
$10.00 
F17          
$5.00 
F18          
$10.00 
F19         
$15.00  Overnight 
F20         

first card replacement is free 

Minimum Payment. The minimum payment is  2.00% 
, whichever is greater, 
plus the amount of any prior minimum payments that  you have not made, all outstanding unpaid fees and charges, and 
any amount you are over your credit limit by the date specified on the statement. 

of your total new balance, or  $25.00 

 F22            

 F21