Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

3.90%
F2

Introductory APR for a period of F3  

six billing cycles

.

VISA PLATINUM
F1 
APPLICATION AND SOLICITATION DISCLOSURE 

APR for Balance Transfers 

Introductory APR for a period of F7  

six billing cycles

.

After that your APR will be F4
your creditworthiness. 
3.90%
F6  

8.90%

to F5    

17.50%

, based on 

APR for Cash Advances 

After that your APR will be F8  
creditworthiness. 
8.90%
F10     
creditworthiness.
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

to F11      when you open your account, based on your 

 , based on your 

17.50%

 to F9  

17.50%

8.90%

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 
Annual Fee 
- Annual Fee
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

- Transaction Fee for Purchases
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
F12    

None
F13    
None
F14    
1.00%
F15    
1.00%
F16    
None
F17    

of each multiple currency transaction in U.S. dollars
of each single currency transaction in U.S. dollars

$25.00
Up to F18   
None
F19    
$25.00
Up to F20   

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  purchases  and  balance  transfers  will  apply  to 
following issuance of your card. Any existing balances 
transactions posted to your account during the first F21              
on current Launch Federal Credit Union loan and/or credit card programs are not eligible for the introductory APR. 

60 days

Effective Date:  
The information about the costs of the card described in this application is accurate as of F22                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

January 1, 2017

OTHER DISCLOSURES 

Late Payment Fee

Returned Payment Fee

Statement Copy Fee
Rush Fee
Card Replacement Fee

or the amount of the required minimum payment, whichever is 

or the amount of the required minimum payment, whichever is 

$25.00
F23    
less, if you are five or more days late in making a payment.
$25.00
F24    
less.
$5.00
F25     
$65.00
Up to F26   
$5.00
F27     

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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