APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA PLATINUM REWARDS/VISA
SIGNATURE REWARDS/VISA SIGNATURE CASH REBATE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
0.00%

 Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

9.70%

 to

20.70%

Visa Platinum Rewards
0.00%

 Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.70% 22.70%
 to

, based on your

Visa Signature Rewards
0.00%

 Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.99% 22.99%
 to

, based on your

Visa Signature Cash Rebate
0.00%

 Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.99% 22.99%
 to

, based on your

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01214565-MXC10-C-2-012122 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

APR for Balance Transfers

Visa Platinum
0.00%

Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

20.70%

9.70%

 to

Visa Platinum Rewards
0.00%

Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.70% 22.70%
 to

, based on your

Visa Signature Rewards
0.00%

Introductory APR for 365 days from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

11.99% 22.99%
 to

, based on your

Visa Signature Cash Rebate
0.00%

Introductory APR for 365 days from account opening.

, based on your

11.99% 22.99%
 to

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum
9.70%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

20.70%

to

APR for Cash Advances

Visa Platinum Rewards
11.70% 22.70%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature Rewards
11.99% 22.99%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature Cash Rebate
11.99% 22.99%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Penalty APR and When it Applies

None

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

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

None

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01214565-MXC10-C-2-012122 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater
$5.00 or 5.00% of the amount of each cash advance, whichever is greater
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Introductory APR: Any existing balances on Consumers Cooperative Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

January 26, 2022

For California Borrowers, the Visa Platinum, Visa Platinum Rewards, Visa Signature Rewards and Visa Signature
Cash Rebate are secured credit cards. Credit extended under this credit card account is secured by various
personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any
shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you
have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement
law, and
Account or in any other account that would lose special tax treatment under state or federal
(d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment.

Balance Transfer Fee (Finance Charge):
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Cash Advance Fee (Finance Charge):
$5.00 or 5.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee:
$10.00.

Copy of Visa Draft:
$10.00.

Returned Visa Statement:
$2.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01214565-MXC10-C-2-012122 (MXC102-E)